Downton and Ali Associates – Private Clients - Mortgages - Buy to Let MortgagesBuy to Let Mortgages

In the twenty-first century, more and more people are investing in the property market.  However, with buy to let mortgages, it is important to remember that the lenders have different criteria you must fulfill, from minimum earnings to minimum rental income.

Individuals or Limited companies can obtain a buy to let mortgage to purchase an investment property.  Although, there are stipulations the lender makes about limited companies, directors and shareholders.

Downton & Ali Associates are very experienced in the buy to let market.  Our advisers can evaluate your personal and financial circumstances and source the best product available to you.

Buy to Let Mortgages are not regulated by the Financial Services Authority.

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Landlord & Tenant Insurance

As a landlord you have a duty of care to the tenant and must ensure the services are always in working order.  Should one of these services fail you will be required to pay the expense incurred in getting them repaired immediately as tenants must not be left without necessities like cooking facilities, hot water or electricity. Should you fail to provide these, you could face litigation and expensive legal fees.

It is important that you do not forget your responsibilities as a landlord.  Standard policies for owner occupied homes do not cover the risks associated with letting a property.

Downton & Ali Associates specialise in arranging suitable landlord and tenant insurance plans that protect the building and its contents against damage caused by tenants and provide protection for the landlord for emergency assistance and legal fees.

For further information, please complete the enquiry form or contact our office on 020 8980 1989. One of our professional consultants will be happy to deal with your enquiry, or arrange an appointment at your convenience.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

We will charge a broker fee of a maximum of £495 or 0.5% of the loan amount, whichever is higher, normally payable on application. Typically this will be £495.

If we charge you a fee and your mortgage does not go ahead you will receive:

A full refund if we cannot find a lender who will accept your application because of your personal circumstances.

A refund of 50% of the fee taken if the purchase falls through or you decide not to proceed before an offer is issued.

No refund if you decide not to proceed after an offer is issued.

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