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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:
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.
Considering purchasing a buy-to-let property? Then you’ve come to the right place.
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