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Demystify mortgages at Fool.co.uk’s Mortgage Comparison Centre. Get mortgage quotes, gather facts, compare UK mortgages online and enquire with The Motley Fool Mortgage Service.

As buying to let is increasingly popular these days, many mortgage providers are now offering buy to let mortgages. If you are considering buying to let, you’ll want to consider the issues unique to a buy to let situation, like getting agents, repairs, and the intricacies of a buy to let mortgage, before you make any decisions.

With a buy to let mortgage, you pay a deposit on a house or flat and get a mortgage to fund the difference. In a buy to let situation, your deposit will be about 15% to 20% of the cost of the property, and the rent you charge should be about 130% of your mortgage payments. This should ensure you can cover the cost of mortgage payments, interest payments, letting fees, insurance and other outgoings without dipping into your own wallet. After all, a buy to let property is meant to be an investment!

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At a glance: Fool.co.uk’s top mortgages

Provider
& mortgage
type ?		APRs Max. Loan To Value ? Fees & Other
charges ?		Enquire
Initial rate & Period ? Subsequent rate ? Overall cost for comparison ?

The Mortgage Works Fixed

2.99% to 31/03/114.99%5.4%60% Arrangement fee:3.75% of loan

Early repayment charge:5% until 31/03/11		Enquire

The Mortgage Works Base+2.49%

2.99% to 31/03/114.99%5.4%60% Arrangement fee:3.75% of loan

Early repayment charge:None		Enquire

Principality Fixed

4.69% to 31/03/124.99%5.2%60% Arrangement fee:£999

Early repayment charge:4% until 31/03/12		Enquire

Coventry Fixed

5.75% to 31/03/154.74%5.4%60% Arrangement fee:£1050

Early repayment charge:4% until 31/03/15		Enquire

Coventry Variable

4.45% for term4.45%4.7%50% Arrangement fee:£1050

Early repayment charge:None		Enquire
These figures are based on a loan of £120,000 on a repayment basis over 25 years.

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Some important information about this page

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

This mortgage service (the “Service”) is provided by lovemoney.com financial services limited, located at Golden House, 30 Great Pulteney Street, London, W1F 9LT. lovemoney.com financial services limited is authorised and regulated by the Financial Services Authority (FSA FRN 479153).

By using the Service, you acknowledge that the Service is administered by lovemoney.com and not The Motley Fool. If you have any questions about the Service or any data displayed, please contact lovemoney.com.

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