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Buy-to-Let Mortgages

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A selection of the lenders we quote

Buy-to-let mortgages are split into two categories, business or consumer.

Consumer buy-to-let mortgages are a new form of mortgage that came out of regulation changes in 2016. These are mortgages for people who let out a property but did not plan to. In short, a consumer buy-to-let mortgage is for people who have become ‘accidental landlords’.

While the term ‘accidental landlord’ sounds vague, there are a few scenarios where this may apply:

  • Going travelling – You may be eligible for a consumer buy-to-let mortgage if you are letting out your home while you are overseas to cover the costs of your mortgage.
  • Inherited a relative’s property – If you have inherited a house and that property still has an outstanding mortgage, you could remortgage to a consumer buy-to-let to be able to rent out the property.
  • Moving elsewhere, but not selling – If you are moving but don’t wish to sell your old home, and plan to rent instead of buying, you could let out your old home and transfer your residential mortgage onto a consumer buy-to-let mortgage.
  • Moving in with a partner – If both you and your partner own a home and you intend to move into one house, you could apply for a consumer buy-to-let mortgage in order to let out the other property.

Consumer buy-to-let mortgages are regulated in the same way as residential mortgages. This means the borrower enjoys more protection than they would with a normal ‘business’ buy-to-let mortgage.

If you intend to buy a property to rent out you will need a business buy-to-let mortgage, which are considered as business loans.


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Buy-to-Let Remortgage

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HMO Mortgages

Houses in Multiple Occupation (HMO) mortgages are designed with shared accommodation in mind. If you want to rent to students or young professionals, this may be the loan for you.

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Portfolio Mortgages

Whether you own a handful of Buy to Let properties or a vast collection, portfolio mortgage make managing your finances easy. Consolidate your loans in one place with our help.

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Why choose Ignite?

Whether you’re taking out a mortgage for the first time or are shopping around after receiving an insurance renewal quote, it’s unlikely you’ll want to spend hours on the phone acquiring quotes. Well, now you don’t need to.

You can calculate your needs, get quotes, compare offers and take our insurance all from the comfort of your sofa with our help.

We’re a modern mortgage and insurance broker that aims to give you what you want – affordable finance and insurance at the click of a button with no upfront fees.

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