The increase in the loan to value on our buy to let mortgages demonstrates our commitment to helping landlords without a large deposit. This BTL deal will no doubt be very popular with our clients and as it is provided by a specialist lender we recommend any potential investors interested in our 80 LTV buy to let mortgages should get in touch with Ascot Mortgages as soon as possible!
80% LTV buy to let mortgages and above
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Why Choose Us
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5-star reviews on Google
£
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total donated to various charities
0
years we have been as independent mortgage and protection brokers
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customer satisfaction for finding the best deals on the UK market
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Written by:
Alison Gibson
Ascot Mortgage Expert
Last Updated:
05.11.2024
Written by:
Alison Gibson
Ascot Mortgage Expert
Last Updated:
05.11.2024
Find exactly the right mortgage for you with a free mortgage consultation. Ascot Mortgages are now able to offer 80% Loan-to-Value Buy to Let Mortgages which has been designed to cater for all types of property investors from first-time landlords to experienced property investors. We are delighted to be able to offer this High LTV Buy to Let Mortgage and feel certain that Landlords will welcome the news that more higher LTVs are becoming available!
High loan-to-value buy to let deals for landlords
High loan-to-value buy to let mortgages are slowly starting to return to the mortgage market. With our unbeatable 80% Buy to Let Mortgage.
Many lenders cut back on their buy-to-let lending between 2008 and 2010 which meant many buy to let investors found obtaining new mortgages very difficult unless they were able to raise sizable deposits, with some lenders asking for over 40%. During the last 18 months especially many investment landlords have been unable to expand their property portfolios as they have reached their maximum with the mainstream lenders.
“With our new high LTV Buy to Let mortgages, Ascot Mortgages are specialist buy to let mortgage brokers and we are able to help landlords take advantage of good investment conditions and low interest rates, good news for landlords and good news for the property market in general”
Before the recession hit, Buy to Let mortgages where getting close to the deals available to the residential market. However when the recession hit, the higher loan to value Buy to Let mortgages where among the first to be pulled from the mortgage market. What was left where 75% LTV mortgages with high arrangement fees, making them overall a great deal more expensive. This new 80% LTV Buy to Let mortgage is certainly a promising sign that the Buy-to-Let sector is strengthening, and certainly an incentive for any property investors who are looking to remortgage their buy to let Property in order to release funds enable new property acquisition.
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Alison Gibson
Ascot Mortgage Expert
Remortgage
Remortgaging is applied when you keep
living in your present property while applying for another mortgage deal with a new lender. Before finding out how to remortgage and get the best offers from experts like Ascot Mortgages, you have to check meeting what parameters of the deal that can help you succeed the most. The range of background factors varies a lot — from the recently changed loan-to-value ratio or your existing agreement coming to an end.
Whether you are trying to get a more beneficial deal or searching for funding to improve your home conditions, remortgaging is one of the most advantageous scenarios to consider.
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FAQ
The loan to value (LTV) rate determines how much you can borrow. A lower LTV typically results in better interest rates and more choice of lenders for remortgaging, as it represents lower risk to lenders.
Yes, you can choose to remortgage with a different lender. However, this should be based on factors such as interest rates, fees, and the terms and conditions of the potential new mortgage. Contact us today and we can help you to find the best option to suit your needs.
Most lenders will require a valuation of your property when you remortgage to ascertain its current market value. Some lenders may use an automated valuation model instead of a physical appraisal. Need help navigating this? Reach us today to discuss your mortgage needs.
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Ascot Mortgages authorised and regulated by the Financial Conduct Authority and can be found on the FCA register (www.fca.org.uk) under reference 776062. The FCA do not regulate some forms of mortgages. The guidance and advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate it will be £599 per mortgage account. Ascot Mortgages Ltd give you the option to pay a non-refundable fee of £1299 payable with the application. If this option is taken, Ascot Mortgages Ltd will refund any procuration fee received by the lender.
Ascot Mortgages Limited is registered in England and Wales and have their registered office at 8 Webster Court, Westbrook, Warrington, WA5 8WD. The company’s registration number is 06764971.
We are a credit broker, not a lender. We work with the whole of the lending market. Typically; we will receive commission that will vary depending on the lender, product, or other permissible factors. The nature any commissions model will be confirmed to you before you proceed.
ICO Registration number is Z1842187
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON ITtypically; we will receive commission
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