Buy TO Let - Revolution Mortgage

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Compare the best consumer buy to let mortgages. Find out everything from fixed rate & new first time landlord btl mortgage deals. Call 0330 304 3040 for inquiries today!

There are a lot of terms to get your head around when it comes to borrowing via a limited company. What’s the difference between a fixed charge and a floating one? Do you know your debentures from your personal guarantees? To keep things simple, we’ve compiled a shortlist of all of the ways in which a financial provider might ask for security when applying for a buy-to-let mortgage via a limited company.

There are a lot of terms to get your head around when it comes to borrowing via a limited company. What’s the difference between a fixed charge and a floating one? Do you know your debentures from your personal guarantees? To keep things simple, we’ve compiled a shortlist of all of the ways in which a financial provider might ask for security when applying for a buy-to-let mortgage via a limited company.

Are you looking for partnership buyout finance in the UK? With us get a personalised mortgage illustration without a credit check. Over 80+ Lenders. Call 0330 304 3040. You know the business inside out, your partner is looking to exit the business due to retirement or personal changes and you want to buy their share. Revolution Brokers can assist with both Partnership buyout and Business buy in finance.

Second charge mortgages are available to homeowners who already have a mortgage against their property, but have equity available. A second mortgage is, therefore, lending against the equity and is known as a second charge mortgage.

One of the essential factors in choosing which business mortgage to apply for is the rates on offer from your lender. Here we look at how Mortgage Interest Rates on Commercial Borrowing are calculated, what makes a difference to the interest rates offered, and how to find the best deals on the UK market. For more advice and support with finding the best mortgage rates for your business, contact the Revolution Brokers team on 0330 304 3040 or drop us a message to info@revolutionbrokers.co.uk.

Stamp duty is a property tax called Stamp Duty Land Tax (SDLT). This tax is payable on property purchases in England and Northern Ireland. The rate of stamp duty payable depends on the price of the property. There are different bands that properties fall into that determine the rate of tax owed.

With changes to Stamp Duty rates, it can be difficult for property investors to understand exactly what they need to budget for. Stamp Duty works as a percentage of the value of a property and is worked out on a tiered basis dependant on the cost of the BTL property. Understanding your Stamp Duty costs is essential before proceeding with a new property investment. As buy-to-let mortgage experts, Revolution Finance Brokers are on hand to provide up to date and tailored advice to help you make informed decisions about expanding your property portfolio.

Mortgage lenders have different criteria and requirements when considering applications from buyers aged over 50. Consider consulting an expert broker to understand the best offers, and which lenders offer products that are compatible with your requirements. Many more lenders now offer mortgage options for older applicants, since this sector of the market continues to grow and many applicants can provide greater financial stability. However, mortgages for over 50’s remain a specialist product. Most mainstream lenders will have restrictions in place for the length of mortgage term they are prepared to offer, depending on the age of the applicant.
If you aren’t sure whether you will be able to obtain a mortgage or don’t know what term would be best for you, give Revolution Finance Brokers a call today, and we will be delighted to help you track down the best options!

Interest-only mortgages are a form of lending against your home, whereby the monthly payments cover only the interest element of the loan. This means that each payment does not include any repayment of the original value – the capital – that was borrowed. Repayment mortgages, in contrast, include monthly repayments of both an interest element, and a proportion of the capital borrowed. One of the main attractions of an interest-only mortgage is the lower monthly repayment. However, the important factor is to understand that none of the capital is being repaid and to have a plan in place to manage this. A repayment plan for the capital element of an interest-only mortgage is referred to as a repayment vehicle.

Yes, bed and breakfasts are a mainstay of the UK tourism industry, as well as for business clients, and there are plenty of lending solutions out there. Here we've summarised the main mortgage options for B&B businesses, but are always available to offer tailored recommendations.
some lenders specialise in hospitality properties, whereas others will offer general commercial mortgages, with the rates and terms depending on the size of the business and projected income.

The key is to apply to the right lenders, where you know you meet most of their eligibility criteria. It can be challenging for businesses to make this decision without having the experience and insight of an expert commercial mortgage broker.
Your broker will help you to put your application together in a favourable way to meet the criteria of your chosen provider.
The Revolution team often hears from investors looking to purchase a business and wanting to know whether mortgage lending is available to finance this. Mortgages can undoubtedly be used for a business purchase, and here we explain the most important factors to be aware of.

To work out what they can offer to lend, a commercial mortgage provider will need to analyse your finances and trading history. This can include looking at earnings before interest, tax, depreciation and amortisation (EBITDA) to see what sort of profits are being generated and whether this is sufficient to keep up with the mortgage repayments.
Commercial investment mortgages differ from owner-occupier lending since the lender will need to know the projected rental income to assess the viability of the investment.

Credit ratings always come into play if you want to take out mortgage lending, and are a crucial factor for investment landlords who wish to buy their first rental property, or expand their portfolio.
There are an increasing number of lenders who can offer a mortgage to buy to let landlords, even if you have experienced difficulties with your credit rating in the past. There are lots of different lenders who can approve a mortgage application, even if you don't have a good credit history.
Even some mainstream high street banks can lend, as well as challenger banks and specialist mortgage providers.

Millions of people in the UK have a bad credit score or adverse credit issues. Whether you've had a CCJ in the past six years or missed a few payments at a difficult financial period, these can have an impact on your ability to obtain a mortgage. We do! As a mortgage broker, we help customers in all scenarios find the mortgage lending they need, and as a bad credit specialist have the knowledge to negotiate with the right lenders.

Bad credit makes getting a mortgage more complicated, but being well versed in the sector and with an extensive network of lenders, Revolution Brokers can help. Mainstream lenders and highstreet banks are less likely to help the more complicated or extensive your bad credit issues are. As an independent broker, we have access to the whole of the market, including deals that are not available to the public.

Whether you have been rejected for a mortgage, or suspect that an application might be turned down due to previous credit issues, a specialist bad credit broker can assess your requirements and apply to the right lenders who they know will be able to accept your application.

Mortgage lenders tend to prefer applicants with stable, steady PAYE employment. However, millions of people earn variable revenue and might have multiple different lines of work! Other mortgage applicants earn a salary, but most of their income is from bonuses and commissions. For disability benefit recipients, you will usually find a fixed-income mortgage, as several lenders will accept this form of income. In some cases, the lender will only include 75% of your annual income to offset any risk that your earnings will drop.

There are thousands of jobs with variable incomes, including employed people who are paid commissions or bonuses. Lenders will consider your average annual income, and the amount they can lend varies considerably depending on how experienced they are in lending to people with your income stream.

In the current climate, many homeowners are facing ever-tightening budgets and falling income. This can be extremely stressful, and if you fall into arrears on your mortgage payments, seeking expert support is vital to avoid the situation getting any worse. The last thing anybody wants is to lose their home, and so being proactive is the best solution to try and remedy things. The good news is that there are options available to avoid repossession and help you recover from this position.
Revolution Brokers work with specialist lenders who can offer refinancing to help avoid losing your property. In some cases, we carry out simple renegotiations in light of the challenges our client is facing, and secure their ongoing mortgage at more favourable terms.

The Shared Ownership scheme enables applicants to purchase a proportion of a property, from 25%. They pay rent for the remaining balance to the housing association and can buy more shares over time. This initiative is a popular way to get on the property ladder for people who wouldn't otherwise be able to own their own home. However, applying for the scheme and getting a mortgage are two different things - and if you have bad credit, you may find that some lenders will not be willing to offer a loan.
In most cases, you can get a mortgage even with bad credit - being turned down by a high street bank doesn't in any way mean that a specialist lender won't be able to help! The best solution is to work with a whole-of-market broker with access to all of the lenders, products and rates in the UK, with the ability to negotiate terms on your behalf.

The Shared Ownership scheme enables applicants to purchase a proportion of a property, from 25%. They pay rent for the remaining balance to the housing association and can buy more shares over time. This initiative is a popular way to get on the property ladder for people who wouldn't otherwise be able to own their own home. However, applying for the scheme and getting a mortgage are two different things - and if you have bad credit, you may find that some lenders will not be willing to offer a loan.
In most cases, you can get a mortgage even with bad credit - being turned down by a high street bank doesn't in any way mean that a specialist lender won't be able to help! The best solution is to work with a whole-of-market broker with access to all of the lenders, products and rates in the UK, with the ability to negotiate terms on your behalf.

An active IVA (individual voluntary arrangement) can make it very difficult to be approved for any credit, including mortgages. Here we'll assess the options for remortgaging an IVA and whether it will continue to impact your credit assessment. Yes, it's certainly possible. A lot depends on when the IVA was registered, and the credit bureaus will remove them from your credit file after six years.
Each lender has its own criteria, so it is vital to apply to a mortgage provider who can accept mortgage applicants with issues such as defaults, CCJs or IVAs on their credit file. It depends on your circumstances and how quickly you need a mortgage! Again, it all depends on the lender, so if you can wait until your IVA is removed from your credit file, you will achieve lower interest rates and more favourable terms.

Trying to get into the property ladder with a history of rental arrears can be extremely frustrating. Credit issues can remain on your file for years, and so you might find that arrears from several years ago continue to make it hard for you to find mortgage approval. Here we'll explain how rental arrears can impact your mortgage application - and what you can do to improve your chances of mortgage approval. Landlords may record your rental remittances and forward the history of those payments to the credit referencing agencies. In most cases, this system is designed to make it easier for tenants to build up a credit score and improve their ability to find a mortgage. The Rental Exchange Scheme was set up in 2016 and means that landlords can include private rental payments in your credit file to prove a history of reliable payments. Not all landlords are part of the scheme. For those that are, you pay Credit Ladder directly; they record the transaction and pass the cash onto your landlord.

As a director of a limited company, you might find it challenging to secure competitive mortgage rates. Many mainstream lenders have policies around their income requirements, which are variable and can be very complicated. However, finding a company director mortgage is streamlined and straightforward when working with an experienced broker. Director mortgages requirements can be vastly different between providers, and the trick is to know which lenders to apply to, and to work with a broker who has extensive experience in the sector and can negotiate favourable terms on your behalf.

Residential development finance is a popular lending option for developers and property investors. Residential development finance is lending designed to finance the construction of a residential property or development. This runs over a shorter-term and is interest-only with the funds released in tranches at stages of the build. As an interest-only loan, the key is to have a strong exit strategy, which the lender will need to approve before they can make an offer. This is usually the sale of the property, or a remortgage once the development is complete.

Expat mortgages are specific products designed for applicants living abroad - either mortgaging a domestic property whilst living overseas, or investing in a property in another state. This type of lending is typically more complex and difficult to source than a residential mortgage, given the higher risk and specialist nature of expat mortgages. The first step is to contact a whole-of-market broker. Using a bank or provider may mean missing out on some of the best expat mortgage offers, which are often available through off-market specialist lenders.