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Is property investment right for you?

Property is one of the UK’s most popular forms of investment. There are generally two main types: buy-to-let and buy to sell.

With buy-to-let, you may need to update or alter a property – you’ll certainly have to make sure it meets regulations – and then you will need to find tenants. You can be as hands-on or removed as you like. A letting agent can help you find tenants and deal with repairs, or you can do some or all of it yourself.

With buy-to-sell, you buy a run-down property, renovate it, then resell it at a profit. This is often known as ‘trading’ or ‘flipping’. If you are in the trade or have an interest in building or project management, this can be an enjoyable thing to do, as well as a stepping stone to larger projects.

Whichever type of property investment is right for you, the expert financial advice from Mortgagemove advisers can help you make a success of the venture.

What mortgages are available for property investors?

When it comes to buy-to-sell renovations, you’ll generally need a bigger deposit than for a residential mortgage – around 25% as a minimum – and you can expect to pay a higher rate of interest. The type of mortgage will depend on things like the condition of the property and how long you expect to own it for before reselling.

Specialist buy-to-let mortgages are available, and they differ from a standard residential mortgage. They are most often interest-only – meaning you’ll need a way to pay off the capital, for example, selling the property or other investments at the end of the term. They are also usually more expensive than a standard residential mortgage.

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Our full range of services

  • First-time buyer
  • Home mover
  • Remortgaging
  • Buy to let (own name)
  • Buy to let (ltd company)
  • Holiday let
  • House of Multiple Occupation (HMO)
  • Student let
  • Help to Buy (equity loan)
  • Shared ownership
  • Right To Buy
  • Self-build
  • Bridging finance (residential)
  • Bridging finance (commercial)
  • Development finance
  • Lending into retirement
  • Retirement interest-only
  • Equity release
  • Second charge
  • Secured loans (residential)
  • Secured loans (buy to let)
  • Home improvement
  • Product transfer

Mortgage Calculator

Get a quick estimate of your mortgage repayments with our useful mortgage calculator. Please note this is for guidance purposes only.