Buy to Let, HMO, expats & Foreign nationals mortgages


Buy To Lets

A buy-to-let mortgage is a loan that's specifically designed for landlords who rent out a property. Just like residential mortgages, you will need good personal credit file with a suitable deposit. The main different is that you are not going to be living in the property. You can apply for mortgage under individual name or through your limited company. We can help both experienced landlords considering to refinance existing portfolio and/ or buy a new property and inexperienced individuals with first investment property purchase. Please get in touch to discuss your individual funding requirement.

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 30 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 80% 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 80%. This means that you can borrow up to 80% of the property value, providing you with the necessary leverage to invest in high-potential properties while maintaining a healthy level of equity.

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.

Best Buy To Lets

 

  • Commitment: At Alpha Capital, your needs are our top priority. We are deeply committed to providing you with exceptional service and tailored financial solutions. Your success is our ultimate goal, and we go above and beyond to ensure that your funding requirements are met with the utmost dedication.
  • Expertise: With a strong background in Financial Services, we possess the knowledge and experience necessary to navigate the complex world of funding. We understand what it takes to get your funding application approved. Our team of experts meticulously prepares and presents your application in a language that resonates with lenders, increasing your chances of securing the funding you need.
  • Flexibility: As a whole-of-market finance brokerage firm, we have access to the entire UK market. This allows us to explore a wide range of funding options and negotiate the best deal possible for you. We understand that every business is unique, and we work tirelessly to find the most flexible and tailored solutions that align with your specific requirements and financial goals.
  • Transparency: Clear and open communication is a core value at Alpha Capital. We believe that transparency is essential to building trust and maintaining successful partnerships. Throughout the entire funding process, we pledge to keep you informed and updated. We provide clear explanations, answer your questions promptly, and ensure that you have a comprehensive understanding of the process, terms, and conditions involved.

Buy-to-Let Financing

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.

HMOs (Houses in Multiple Occupation)

HMO mortgages are designed for properties where multiple tenants form more than one household. These investments often yield higher rental incomes and require a specialized lending approach due to their unique management needs and regulatory requirements.

  • Tailored Products: Financing options that recognize the higher income potential and specific needs of HMO properties.
  • Regulatory Guidance: Assistance with meeting local council regulations and standards for HMOs.
 

Expats

For expatriates looking to invest in the UK property market, navigating the mortgage landscape can be challenging. Our expat mortgages cater specifically to UK nationals living abroad, ensuring that you can invest in UK property effectively despite residing overseas.

  • International Service: Dedicated support for UK nationals living abroad.
  • Custom Solutions: Mortgages tailored to suit the challenges and opportunities faced by expats.
 

Foreign Nationals

Foreign nationals who wish to invest in the UK property market can face significant barriers. Our services are designed to reduce these barriers by offering specialized mortgage products that cater to non-UK residents.

  • Inclusive Financing: Access to mortgage products specifically intended for foreign nationals.
  • Supportive Advice: Guidance on UK property law, investment best practices, and financial planning.
 

Portfolio Landlords

For landlords with multiple properties, managing and financing an extensive portfolio can be complex. Our tailored mortgage solutions for portfolio landlords are designed to streamline the financial management of multiple properties.

  • Consolidation Options: Opportunities to consolidate loans and simplify the management of multiple properties.
  • Portfolio Growth: Strategies and financing options to help expand your property portfolio effectively.
 

Why Choose Alpha Capital?

1.

Commitment

Your success is our priority. We provide exceptional service and tailored financial solutions designed to meet your unique needs.

2.

Expertise

Our in-depth knowledge of financial services and the property market ensures your funding application is crafted to stand out.

3.

Flexibility

As a whole-of-market brokerage, we have access to a broad range of funding options, ensuring the best possible terms.

4.

Transparency

We believe in clear communication, providing you with all the information you need to make informed decisions.

Alpha Capital is a Commercial Finance Broker and not a Lender.

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.