Tips & helpful information for landlords & BTL mortgages

I personally believe that getting the right mortgage is one of the most imperative aspects of purchasing a property, particularly for landlords, because we’re trying to make a profit. The difference between a good and bad mortgage policy will reflect on the success of your entire investment. Yet, with so many people failing to understand how they truly work, it isn’t rare sight to witness a landlord’s empire topple over.

It’s crucial to do as much research as possible, but most importantly, to shop around for the best BTL mortgage product for you. There are literally hundreds of mortgages available so it can be overwhelming, especially if you don’t know what you’re looking at. As you may have already noticed, it’s becoming increasingly difficult for landlords to get mortgages, and the one’s that are available are excruciatingly expensive- high interest rates and even higher product fees. Take your time, do your research. Read through the articles in this section for further guidance.

As a starting point to BTL mortgages, it might be looking at the Landlord BTL Mortgage Guide. I would also recommend understanding the difference between an interest-only and repayment mortgage, if you don’t know already.

I just want to clarify that I’m not qualified to provide any financial advice. Everything written on this website is based on my opinion from years of experience, and no more. I would recommend seeking the appropriate advice from a financial professional before making any decisions.

BTL Remortgaging: ‘Occupier’s Consent & Postponement Deed’ – WTF Is This Shit? 03 Nov 2015 21

BTL Remortgaging: ‘Occupier’s Consent & Postponement Deed’ – WTF Is This Shit?

‘Mortgage Product Fees’ – What A Joke 22 Aug 2011 18

‘Mortgage Product Fees’ – What A Joke

How Low Is Your Mortgage Interest Rate? 18 Apr 2009 5

How Low Is Your Mortgage Interest Rate?

My Savings On Mortgage Payments Since Interest Rates Have Fallen 17 Jan 2009 2

My Savings On Mortgage Payments Since Interest Rates Have Fallen

Northern Rock Seem Desperate To Get Me To Remortgage 17 Dec 2008 1

Northern Rock Seem Desperate To Get Me To Remortgage

Making Mortgage Overpayments While Debt Is Cheap 11 Dec 2008 0

Making Mortgage Overpayments While Debt Is Cheap

Northern Rock Lowered Thier Standard Variable Rate (SVR), Which Saved Me A Small Fortune 23 Nov 2008 26

Northern Rock Lowered Thier Standard Variable Rate (SVR), Which Saved Me A Small Fortune

Who’s Shitting Themselves About Remortgaging? 31 Jul 2008 4

Who’s Shitting Themselves About Remortgaging?

Adding Someone To Your Mortgage 14 Jul 2008 43

Adding Someone To Your Mortgage

08 Jul 2008 0

Saving Vs Reducing Your Mortgage

Coming To The End Of Your Fixed Rate Mortgage Period? 13 May 2008 0

Coming To The End Of Your Fixed Rate Mortgage Period?

Northern Rock Want Their Borrowers To Remortgage 13 Apr 2008 3

Northern Rock Want Their Borrowers To Remortgage

Different Ways Of Paying Interest On A Mortgage 09 Jan 2008 0

Different Ways Of Paying Interest On A Mortgage

How To Avoid Mortgage Payment Problems 04 Jan 2008 1

How To Avoid Mortgage Payment Problems

Mortgage Overpayment Calculator 10 Dec 2007 2

Mortgage Overpayment Calculator

Making Mortgage Overpayments 09 Dec 2007 16

Making Mortgage Overpayments

The Basics Of Mortgages And Interest Rates 04 Dec 2007 0

The Basics Of Mortgages And Interest Rates

The Importance Of Remortgaging 22 Nov 2007 0

The Importance Of Remortgaging

I Can’t Afford My Mortgage Payments, What Can I Do? 30 Oct 2007 10

I Can’t Afford My Mortgage Payments, What Can I Do?

Using Credit Cards To Pay Your Mortgage 29 Oct 2007 1

Using Credit Cards To Pay Your Mortgage

22 Oct 2007 1

Switching From Repayment To Interest-only Mortgages

01 Oct 2007 0

Benefits Of Paying Your Mortgage Off Early

Buy-To-Let Mortgage Calculator-  Calculate Monthly Payments 30 Sep 2007 3

Buy-To-Let Mortgage Calculator- Calculate Monthly Payments

Shit, I Have A Mortgage With Northern Rock!!!! 17 Sep 2007 14

Shit, I Have A Mortgage With Northern Rock!!!!

31 Aug 2007 0

What Is A Tracker Mortgage?

29 Aug 2007 0

Offset Mortgages

Using A Residential Mortgage For a Buy-To-Let Property 15 Aug 2007 15

Using A Residential Mortgage For a Buy-To-Let Property

Facts About Interest Rates 14 Jun 2007 0

Facts About Interest Rates

Tips On How To Reduce Mortgage Payments 18 May 2007 0

Tips On How To Reduce Mortgage Payments

How To Improve Your Credit Rating 20 Feb 2007 0

How To Improve Your Credit Rating

Risks involved with Mortgages 14 Jan 2007 0

Risks involved with Mortgages

Interest-only Vs Repayment Mortgages 13 Jan 2007 0

Interest-only Vs Repayment Mortgages