Regulatory Statements
'Gardner Financial Services is a trading name of GFS(Moray) Ltd which is authorised and regulated by the Financial Conduct Authority.'
The guidance and / or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.
To visit the FCA consumer website - The Money Advice Service - please click here
To verify our status with the FCA, click here and key in our FCA number: 432976

Gardner Financial Services

Telephone: 01309 675757

Gardner Financial Services

Mortgages - Buy To Let

A buy to let mortgage is designed for people who want to buy a property to let out. With having access to the whole mortgage market, Gardner Financial Services can find the best deal for your circumstances and can also source deals for...

  • Student Let's
  • House Of Multiple Occupancy
  • Buy To Let Portfolio's

Deposit

The deposit you will be required to put down for buy to let mortgage will be typically larger than a standard residential mortgage. The borrower will usually be required to put down at least 20% deposit and normally expected to own their own property.

How Much Can I Borrow?

For buy to let mortgages lenders usually calculate how much you can borrow based on the potential rental income from the property instead of your annual earned income. The expected rental income usually must exceed 125% of your monthly mortgage payments. Gardner Financial Services can obtain an accurate borrowing figure based on investment property.

Investment

Like any investment, buy to let comes with no guarantees, but can be more reassuring for those who have more faith in bricks and mortar than the stock market.

'Not all buy to let mortgages are regulated by the Financial Conduct Authority.'