Berkley Vittoria offer a range of buy to let solutions, including fixed rate, tracker and interest only mortgages. Many of our schemes also include free valuation and legal costs packages. Whatever your buy to let mortgage need, we are sure to be able to help.
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Buy To Let Mortgage Lenders & Brokers

Choosing the Right Buy to Let Mortgage or Re-Mortgage

  Since the property market crash in 2008, the criteria for BTL Mortgages has been constantly changing.

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  Interest rates on offer, as well as the size of deposit required has been revised many times by the Buy to Let mortgage lenders.
  It is now more than ever before, sensible to get advice from an experienced, independent Buy to Let mortgage broker, who will have access to all Buy to Let lenders in the market place.
  The right Buy to Let advice can not only obtain you the most competitive Buy to Let UK mortgage deal, but could also often obtain you free valuations and legal fees.
  Berkley Vittoria IFS Ltd can advise you on the most suitable repayment methods for your situation, whether it be capital repayment or Buy to Let interest only mortgages.
 

There are many factors that will help us advise you on the best Buy to Let mortgage UK lender for your situation: -

  • The size of your deposit.
  • Your credit history.
  • Anticipated rental income.
  • Whether you intend to let the property to one person or multiple tenants (HMO).
 

Advice for First Time Buy to Let Landlords
  A Buy to Let Mortgage is defined as a mortgage for a property that will be let by the borrower to a tenant. The important difference to a normal mortgage being that the lenders calculate how large a loan they will provide primarily on the basis of projected rental income, not the salary or income of the borrower(s).
  You should be aware that the larger the deposit you have, the cheaper the BTL mortgage rates you will qualify for.
  The location in which you buy the property is vital as it needs to be in an area where demand for rental properties is high. This will hopefully ensure that you are able to let the property for as high a rental income as possible.
  You need to allow in your budgeting for repairs and maintenance as well as buildings insurance and other costs.
  For first time landlords, Buy to Let mortgage advice from an experienced Buy to Let Mortgage Broker can guide you in the right direction with regards to both the best type of property to purchase and the most suitable Buy to Let mortgage UK lender for your situation.
  There are a whole host of specialist magazines available on getting started as a Buy to Let landlord, giving guidance on both initial property purchase, finding tenants, tenancy agreements and many other areas.
  Berkley Vittoria are Specialist Buy to Let Mortgage Brokers

So whether you are looking for a Buy to Let interest only mortgage or trying to free equity from your existing Buy to Let property, we can usually be of assistance.


CALL US TODAY ON 0800 158 3220 and see just how much we can help you.

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There may be a fee payable upon completion for mortgage advice. The precise amount of the fee will depend upon your circumstances but we estimate that it will be £395. (No broker fee charged on mortgages over £300,000). You have the option to pay us a fee and receive any commission which we are paid by the lender. If you choose this option, we estimate that the fee will be £995.
  Think carefully before securing other debts against your home. 
Your home or property may be repossessed if you do not keep up repayments on your mortgage.		  
 ©2010 Berkley Vittoria Independent Financial Services Ltd