Buy To Let Mortgage UK - Explained | Q&A (Time stamped)

Buy to Let Mortgage Explained in this in depth Q & A with buy to let mortgage expert, Akhil Mair from Our Mortgage Broker. We polled property investors for their most burning questions on buy to let mortgage finance and answer 23 questions in this video.

Watch the whole video or dive into the questions you want answered, by clicking the timecode links below:

00:00 - Intro
02:51 - Q1 /Do you have to be a homeowner before you can get a buy-to-let mortgage?
03:53 - Q2 / What do you have to earn to qualify for a buy-to-let mortgage?
04:39 - Q3 / Is it better to get a buy-to-let loan in my personal name or in a limited company?
11:06 - Q4 / How much deposit do you need for a buy-to-let mortgage?
12:19 - Q5 / What is the optimum Loan To value (LTV) for a buy-to-let mortgage to strike the right balance between minimum deposit while keeping overall borrowing costs low?
13:28 - Q6 / Some lenders are offering very log loan terms of 35 or even 40 years, whilst specialist lenders offer attractive interest rates on shorter loan terms of say 5 years. Which is the best option for investors?
15:05 - Q7 / Is a buy-to-let limited company loan more like a regular buy to let mortgage contract or is it more like a commercial loan contract? ..And why does it matter?
15:36 - Q8 / Is it possible to get a limited company buy to let mortgage without having to provide a personal guarantee?
16:27 - Q9 / Can I get a buy to let mortgage for a brand new limited company or will we need 3 years company accounts?
17:56 - Q10 / How important is having good clean credit history when applying for a buy to let mortgage?
19:33 - Q11 / Will lenders ask to interview you and scrutinise your business plans before they will agree to lend?
26:24 - Q12 / How can you use bridge and refinance after 6 months to achieve fast 'velocity of cash'?
27:52 - Q13 / Is it possible to buy a property at auction with a buy to let mortgage, given the tight deadlines involved?
29:49 - Q14 / How do I get a buy to let mortgage on a property which is already tenanted? Is there anything I need to look out for?
31:13 - Q15 / Whats involved in getting a buy-to-let mortgage on commercial properties which have been converted for residential use? Or on flats above commercial premises?
35:12 - Q16 / How straight forward is it to obtain a buy to let mortgage on multi-unit freehold buildings?
35:57 - Q17 / Title splitting.
37:31 - Q18 / Can you raise more money by getting a commercial valuation based on the rental income rather than 'bricks and mortar' value?
39:08 - Q19 / On the day of the mortgage valuation, would you recommend the borrower go down to the property to meet the valuer?
40:51 - Q20 / How do you get a valuer to change the valuation report if you feel something isn't right?
42:51 - Q21 / What is the 'mood' among mortgage valuers on the current market? Is there an opportunity for savvy investors to profit?
44:32 - Q22 / Where next for interest rates?
45:34 - Q23 / Where next for stamp duty (SDLT)?

Connect with Akhil Mair:
http://www.ourmortgagebroker.co.uk/
https://www.linkedin.com/in/akhilmair/
https://www.facebook.com/akhil.mair.1
Or the old fashioned way! Tel: 0203 971 1234

#buytolet

Видео Buy To Let Mortgage UK - Explained | Q&A (Time stamped) канала Ranjan Bhattacharya - Succeed In Property