Apply for a Minimum of £25,001 and Choose a Flexible Loan Term
With our buy-to-let mortgages, you can apply for a minimum loan amount of £25,001, allowing you to access the capital needed to support your investment plans. We understand that each landlord’s circumstances are unique, which is why we offer flexible loan terms ranging from 3 to 25 years. This flexibility empowers you to choose a repayment plan that aligns with your investment strategy, cash flow projections, and long-term financial goals.
Spread the Cost Over 5 to 30 Years for Financial Convenience
Managing your finances is a key aspect of successful property investment. Our buy-to-let mortgages provide you with the option to spread the cost of the loan over a period of 5 to 30 years. This extended repayment term offers you financial convenience and ensures that your monthly mortgage payments are manageable, allowing you to allocate your resources effectively and optimize your rental income.
Maximum Loan to Value (LTV) of 75% for Property Investment
When it comes to buy-to-let mortgages, we understand the importance of striking the right balance between borrowing and property value. With Alpha Capital, you can access a maximum Loan to Value (LTV) ratio of 75%. This means that you can borrow up to 75% of the property value, providing you with the necessary leverage to invest in high-potential properties while maintaining a healthy level of equity.
Ownership and Residency Requirements
To be eligible for a buy-to-let mortgage, it is important that you meet certain ownership and residency criteria. You must have owned and lived in your existing property for a minimum of 6 months. This requirement ensures that you have a solid foundation in property ownership before venturing into the buy-to-let market. By adhering to this condition, you demonstrate your commitment and understanding of property ownership dynamics.
Properties Let Under Assured Shorthold Tenancies (AST) or Company Let Agreement
Our buy-to-let mortgages are specifically tailored for properties let under Assured Shorthold Tenancies (AST) or company let agreements. These tenancy arrangements provide a level of assurance and structure to the rental process, ensuring that you have a reliable source of rental income. By focusing on properties with AST or company let agreements, you can maximize your investment returns and minimize potential risks associated with rental income uncertainties.
Minimum Basic Earned or Pension Income Requirement
To ensure financial stability and ability to meet mortgage repayments, we have a minimum income requirement for buy-to-let mortgage applicants. One of the applicants must have a minimum basic earned or pension income of £25,000, excluding rental income. This income requirement provides assurance that you have a sustainable and steady source of income beyond rental earnings, enhancing the overall viability of your investment venture.
At Alpha Capital, we understand the intricacies of property investment and the unique challenges faced by landlords in the buy-to-let market. Our team of experts is dedicated to providing comprehensive support and guiding you through the process of securing the right buy-to-let mortgage for your investment objectives. We offer competitive interest rates, personalized advice, and access to a wide network of lenders, ensuring that you have the best financing options available for your buy-to-let ventures.
Contact us today to discuss your individual funding requirements and embark on a successful journey in property investment. Together, we can explore the various loan options, determine the most suitable solution for your buy-to-let investment, and help you unlock the full potential of your property portfolio.
Alpha Capital is trading style of Alpha Capital & Debt Advisory Services Ltd, Company Number: 12557280.
Alpha Capital and Debt Advisory Services Ltd is authorised and regulated by the Financial Conduct Authority. Our FCA number is 988370 and this can be checked by visiting www.fca.org.uk/register. Our registered address is Unit 3, 1st Floor, 6-7 St. Mary At Hill, London, EC3R 8EE. Company number 12557280.
We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.