Most lenders calculations are based on unfurnished rental agreements, irrespective of how you intend to let out the property. This can give lower rental and lower yields while lowering the amount you can borrow against your expectations. The cost of fittings also needs to be considered, as well as budgeting for their maintenance.
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Mortgage Wise Ltd is an appointed representative of Quilter Financial Services Ltd and Quilter Mortgage Planning Ltd which are authorised and regulated by the Financial Conduct Authority. Quilter Financial Services Limited and Quilter Mortgage Planning Limited is entered on the FCA register (https://register.fca.org.uk/s/) under reference 440703 and 440718.
Mortgage Wise Ltd are a company registered in England and Wales, registered company number: 09329060. Registered office: Mortgage Wise Ltd., C/O Building 2a, D Site Kemble Airfield, Kemble, Cirencester, Gloucestershire, England, GL7 6BA.
The guidance and /or information contained within this website is subject to UK regulatory regime and is therefore targeted at clients based in the UK.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 06/12/2024
Some buy-to-let mortgages are not regulated by the Financial Conduct Authority.
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