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What are Buy to Let?Buy To Let Mortgages are Mortgages specifically designed for Landlords who want to invest in the commercial rental sector. This form of buying commercial property to rent out has had considerable growth over the last decade, with commercial property price increase at a similar rate as residential property. These Loans are not regulated by the FSA.Commercial Buy To Let Mortgages are available for all types of commercial properties, ranging from buying offices, retail premises, industrial units, restaurants etc. The commercial buy to let market has similar criteria to the residential buy to let, in that the affordability is calculated by the rental income. Commercial buy to let has a further complication as the lease which are offered are quite detailed, a lot more so than the typical residential AST, an example is shown on this site, as one of our free documents. The percentage which a Commercial Buy to Let Mortgage lender will lend is likely to be restricted to 75% of the value of the commercial property you wish to buy. The term is also lower than that of a residential buy to let. Buying a property to let can provide a stream of income for the investor, and potential for long-term accumulation of capital growth. The general guidance when buying a property to let with a Commercial Buy To Let Mortgage will be that you will need to decide what your primary objective is either to make a monthly profit or to make a profit through increased equity from the home over time. The decision may affect the type of commercial property you purchase, and the location of the site. The amount of money investors can borrow with a Commercial; Buy To Let Mortgage is determined by the commercial rental valuation of the property. Interest rates are slightly higher on the Commercial Buy To Let Mortgage than on Residential Buy to Lets and the initial deposit needed with a Commercial Buy To Let Mortgage is typically a minimum of 25% of the property's value. When managing a property there are many other costs involved in addition to your monthly Mortgage repayments, costs such as property up keep, letting agents fees, legal insurance, insurance, and repairs. As a general guidance, you should be aiming to achieve a gross rent of about 135% - 150% of the commercial rental property's costs in order to cover your costs should anything go wrong. Loans- Frequently Asked Questions
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