Specialist Mortgage Advisors For Buy To Let Mortgages
Cullen Financial Services Ltd are specialists in organising Buy To Let Mortgages for residential properties within North Somerset. We help individuals, investors and limited companies traverse the wide range of Buy To Let mortgage propositions available, and find the right deal for them.
Buy To Let mortgages are like standard UK mortgages but with a few exceptions, such as the necessity of having a 25% deposit being the usual rule, fees and interest rates are generally higher and most buy to let lenders require you to already own your own home. Taxation is also an issue, with a higher percentage Stamp Duty Land Tax and any profits being subject to income and capital gains tax.
Being independent, and with a finger on the pulse of all the new lenders coming to market, our expertise in Buy To Let mortgages means we can find the best fit for you or your organisation to make the most out of your investment.
A mortgages is secured against your home, it could be repossessed if you do not keep up with your payments.
Is a Buy-To-Let Mortgage Right For Me?
Buy To Let mortgages are great for those with the capital to reap the benefits of them, usually requiring a larger up front deposit and with higher rates of interest to protect against the higher risk for the lender. By design, most Buy To Let mortgages only cover your properties interest, making them perfect for those wishing to turn a profit without necessarily buying the property at the end of their term.
Take the first step
Take your first step toward applying for Buy to Let Mortgage
Top Tips For Buy-To-Let Mortgages
- As there are multiple types of Buy To Let mortgage, and a wide array of tax implications with each, it is always best to consult a Mortgage Advisor to make sure you will reap the best long term benefits of your Buy To Let
- Established high street lenders don’t always have the best available rates, it’s best to check their offers against more specialist lenders
- Your Let may not always provide the necessary funds every month to pay the Mortgage, whether due to tenants moving out or issues with collection
- Just because you have a limited company does not necessarily mean you won’t be able to get a more tax efficient rate by purchasing in your own name
Find Your Best Buy To Let Mortgage Offers With Cullen Financial Services Ltd
If you want to know more about Buy To Let mortgages, and want to find the best offers bespoke to your situation, Cullen Financial ServicesLtd are situated perfectly to advise upon and organise your Buy To Let mortgage with the minimal amount of hassle and the highest attention to detail.
Whether you might want to explore a top slicing purchase, or want to remortgage an existing Buy To Let when the rent doesn’t always fit the market stress rate- we are experts in finding the right deal to meet the combination of factors that make up your property investment.
Get the ball rolling by clicking below to get in contact, and Cullen Financial Services Ltd will get you started on the road to your tailored Buy To Let mortgage.
Based in Bruton we proudly serve the whole of Somerset, Bristol and Bath
We know how important it is to get your financial advice from someone close by and easy to contact- that’s why we only serve the local Somerset area. From our base in Weston-Super-Mare, we operate between Taunton and Bristol, and are experienced mortgage advisors for Bridgwater, Glastonbury, Cheddar, Brean, Highbridge, Burnham-on-Sea, Clevedon, Wells, Nailsea, Backwell, Worle, Yatton and Congresbury.
With both our local knowledge of the housing market in North Somerset, and our huge amount of experience in finding you the best mortgage for your requirements, Cullen Financial Services Ltd make the process of buying a new property or remortgaging an existing one simple.