Most popular BTL mortgages

Max LTV	Initial Rate	Term	Completion fee	Booking fee	Incentives	Overall Cost for Comparison
85%	5.49% Discount	2 Years	2.5%	£130.00	No	6.9% APR
80%	4.99% Fixed	Oct 31 2014	3.5% (min £595)	£0.00	No	5.6% APR
80%	6.58% Variable	0 Years	0%	£130.00	No	6.9% APR
75%	4.7% Tracker	2 Years	3%	£150.00	No	6% APR
75%	3.85% Discount	2 Years	£2450	£250.00	No	5.4% APR
75%	4.89% Fixed	Nov 30 2014	£995	£0.00	No	5.1% APR
70%	4.25% Discount	2 Years	0%	£199.00	Free valuation up to £335 for purchases and remortgages and free legals on remortgages only.	6% APR
65%	3.25% Tracker	Sep 30 2014	2%	£195.00	Cashback £500	5.9% APR
65%	3.99% Fixed	Oct 31 2014	£999	£250.00	Free valuation up to £700 for purchases and remortgages and free legals on remortgages only.	4.8% APR
60%	2.99% Tracker	Sep 30 2014	2.5%	£99.00	Free valuation for purchases and remortgages and free legals on remortgages only. £99 cashback	4.8% APR
60%	3.25% Discount	2 Years	£1750	£250.00	No	5.3% APR

Search the whole BTL mortgage market free
 
Email: info@propertyhawkbtlmortgages.co.uk

Tel: 029 2069 5446

IMPORTANT! Due to current market conditions, lenders are withdrawing and replacing products with little or no notice. Please check our website regularly to see the most up-to-date products available.

Your home may be repossessed if you do not keep up repayments on your mortgages.The Financial Services Authority does not regulate some forms of mortgage.

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Residential property fund launches

Hearthstone announces the launch of it's new residential property fund with a fanfare and the strapline :  "Hearthstone - changing the way the UK invests in residential property"

mmmmmm....dubious!  They either have dodgy PR or marketing advice or they don't get that after the various buy-to-let scandals landlords or residential investors are a very vary of over hyped promises.

In their defence Hearthstone have secured the backing of Barratts to provide seed investment (could be possibly linked to the fact that Barratts are unloading their show homes into the fund ....at what price one may ask?)

The good thing about the fund is that because it is FSA authorised it is eligible to be held in a SIPP or ISA.  It presumably will invest in residential property and borrow money to do so.  Great if prices go up but as we have seen with geared property investments if the market goes the other way...bad news!

The good news is that as an investor you don't have the hassle of managing the property or if things go bad you can just right of the experience and hopefully your limited exposure.

What I don't get is what's new.  Do these guys not remember the Business Expansion Scheme in the 80's (where investment funds were set up to invest in the 'new' AST residential investment market.) This worries me that they are either niave, have appointed rubbish PR/ marketing people or even worse are in it for the fat fees and a fast buck of the back of a relatively benign housing market.

You decide!

Landlord Insurance - expert brokers

107 Distressed Lots

The forthcoming residential property auction from Allsop on 13th September (unlucky for some) boasts over 275 lots from across the country including 107 from distressed lots (I'm guessing mortgage companies in possession).

You can view the online catalogue here.

We are now 4 years on from the big financial fall out but there is no signs of any immediate up turn.  With banks still reluctant to lend as they deleverage their balance sheets.  This obviously depresses asset values and potentially presents the brave investor with a long term bargain (emphasis on long-term).

For more details on buying a property at auction.

Mortgage Search

New Skipton BTL product

Property Hawk Mortgages is offering an excellent buy-to-let mortgage with Skipton Intermediaries. This 4.49% 2 year fixed rate with a 1% completion fee has a free valuation and free legals for remortgages. It is highly competitive in the 75% LTV bracket and could be an excellent choice for landlords.

Search the whole BTL mortgage market free
 
Email: info@propertyhawkbtlmortgages.co.uk 

Tel: 029 2069 5446

IMPORTANT! Due to current market conditions, lenders are withdrawing and replacing products with little or no notice. Please check our website regularly to see the most up-to-date products available.

Your home may be repossessed if you do not keep up repayments on your mortgages.The Financial Services Authority does not regulate some forms of mortgage.

BTL mortgages current popular products

Max LTV	Initial Rate	Term	Completion fee	Booking fee	Incentives	Overall Cost for Comparison
85%	5.49% Discount	2 Years	2.5%	£130.00	No	6.9% APR
85%	5.79% Discount	2 Years	3%	£130.00	No	7% APR
80%	6.09% Fixed	2 Years	3%	£130.00	No	7.1% APR
80%	4.79% Discount	2 Years	£2999	£130.00	No	8.2% APR
80%	4.79% Fixed	Nov 30 2014	3.5%	£199.00	Free valuation up to £335 for purchases and remortgages and free legals on remortgages only.	6.4% APR
75%	3.85% Discount	2 Years	£2450	£250.00	No	5.4% APR
75%	3.5% Fixed	2 Years	3.5%	£250.00	No	5.3% APR
75%	4.89% Fixed	Nov 30 2014	£995	£0.00	No	5.1% APR
75%	3.49% Tracker	Sep 30 2014	2%	£195.00	Cashback £500	6% APR
75%	4.49% Fixed	Oct 31 2014	1%	£0.00	Free valuation and free legals for remortgages (properties valued up to £500,000).	5.1% APR
70%	4.25% Discount	2 Years	0%	£199.00	Free valuation up to £335 for purchases and remortgages and free legals on remortgages only.	6% APR
65%	3.25% Tracker	Sep 30 2014	2%	£195.00	Cashback £500	5.9% APR
60%	5.49% Fixed	2 Years	2.5%	£130.00	No	6.9% APR
60%	3.25% Discount	2 Years	£1750	£250.00	No	5.3% APR

Search the whole BTL mortgage market free
 
Email: info@propertyhawkbtlmortgages.co.uk

Tel: 029 2069 5446

IMPORTANT! Due to current market conditions, lenders are withdrawing and replacing products with little or no notice. Please check our website regularly to see the most up-to-date products available.

Your home may be repossessed if you do not keep up repayments on your mortgages.The Financial Services Authority does not regulate some forms of mortgage.

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Oven clean recommendation

As I sit here typing my latest post.  Peter from OvenU is getting stuck in to oven clean ready for me to let my property. I was impressed.  I'd never been around to witness one before.  It's a full oven door off, fans and seals all stripped out before the chemical clean begins. (it takes 2.5 hours - not bad for 55 quid)

Firstly, it's not essential for me to clean my oven.  I could give it a quick once over with a damp cloth and get away with it and the tenants would be none the wiser.  However, experience has taught me that when it come to the Inventory and the check in.  I know record the fact that the oven has been had a professional clean.  That means that when it come to the tenant handing back the keys in months or even several years time.  The oven is then likely to be covered in congealed Sunday roasts and other varieties of food substances.  I can then insist that the oven is cleaned and that the cost is deducted from the tenants deposit.  Clever hey!?

Landlord Insurance - our trusted brokers 

Calls for accurate rental yield information

I was looking the other day at what are currently the most popular parts of all the free information currently available on Property Hawk. To my surprise the most read by a long way was not how to get possession of your rental property through a section 21 notice or even advice on non payment of rent.  No the most popular article by some way was my recent piece on rental yields (over 26,000 landlords viewed it over the year).

This is heartening from my point of view because I've been a long time advocate of landlords understanding and then paying attention to rental yields when deciding on what property to invest in.  The message is obviously getting through.  It also highlights from my perspective the fact that the current rental yield information is poor to useless.  What I would say is that there is one government agency that dedicates most of their time to collecting rental information and has the capacity to generate this kind of valuable information.  That's the Valuation Office Agency.  There are literary hundreds of them crunching information on rental levels and property values in the UK.  Have a look here for the latest data on London Rents.  The former crunches the stats so that they can make an assessment on the Local Housing Allowance rental levels for each local area.  Wouldn't it be good if they could use this data to provide accurate information for landlords, investors and lenders about rental yields in different areas and property types to allow all of us to make more informed and better investment decisions.

Landlord insurance - expert brokers

Do Gurkhas make good tenants?

It's a strange life being a real life landlord.  Now here's a group of tenants that you maybe have not considered before.  How about letting to Gurkhas?

I was chatting to Paul on my way to inspect what used to be a garden and now has become what resembles a small jungle.  His back story was an interesting one.  Apparently he had spent 20 years in IT getting well paid but increasingly p...ssss...d off.  He has subsequently re-invented himself as a gardener come handy man.  I was hoping he was going to fix my landscaping issues.  It transpires that he also had several buy-to-let properties.

Apparently,  he had started off letting his buy-to-lets to students in the nearby Nottingham Trent University.  However, after 6 months.  He decided (understandably in my view) that the student rental market wasn't for him.  So instead he  looked for some alternative tenants.  One group were 3 ex-Gurkhas now working as security guards at a Radcliffe Upon Soar power station.  Well what are they like?  It appears from chatting to Paul that Gurkhas actually make excellent tenants.  They are clean (they even take their shoes off before entering the house) and always pay the rent on time.  The only two drawbacks I can decipher is that apparently he's not completely sure how many Gurkhas are staying at his buy-to-let property.  Originally he let it to three but he suspects there may now be a small battalion inhabiting his property.  The other problem may come if he ever needs to get possession of his buy-to-let.  I wouldn't like trying to explain to them that they were going to have to leave against their will.  Would you?

Landlord insurance - professional rates

Record loans power sector growth

There are 3.6 million households who are privately renting from a landlord in 2010/11, the latest available figures, compared to just two million a decade ago.

Britain is in the grip of a buy-to-let boom with a record number of ‘landlords loans’ worth an all-time high of more than £160 billion.

The figures, from the Council of Mortgage Lenders, showed there are 1.42 million buy-to-let mortgages, compared to just 89,000 a decade ago.

Mortgage Search - more choice

Foxtons set to expand

Foxtons who were at the centre of the row on over charging by letting agents is looking at massive expansion plans in the capital.

Currently, the up market letting agent has 37 branches in London but believes that there is potential for 100 branches over the next few years.  This comes on the back of a 12.8% increase last year in revenue to £110.8m.

This reversal of fortune comes after Foxton almost went bust after an over leveraged take out from it's founder Jon Hunt who sold out at the top of the property boom in 2007.

Landlord insurance - expert brokers

BTL mortgage current rates

Max LTV	Initial Rate	Term	Completion fee	Booking fee	Incentives	Overall Cost for Comparison
85%	5.49% Discount	2 Years	2.5%	£130.00	No	6.9% APR
80%	4.99% Fixed	Oct 31 2014	3.5% (min £595)	£0.00	No	5.6% APR
80%	4.79% Discount	2 Years	£2999	£130.00	No	8.2% APR
75%	3.85% Discount	2 Years	£2450	£250.00	No	5.4% APR
75%	4.89% Fixed	Nov 30 2014	£995	£0.00	No	5.1% APR
70%	3.99% Discount	3 Years	£995	£0.00	No	5.4% APR
70%	4.25% Discount	2 Years	0%	£199.00	Free valuation up to £335 for purchases and remortgages and free legals on remortgages only.	6% APR
65%	4.25% Fixed	Oct 31 2014	£749	£250.00	Free valuation up to £700 for purchases and remortgages and free legals on remortgages only.	4.9% APR
65%	3.25% Tracker	Sep 30 2014	2%	£195.00	Cashback £500	5.9% APR
60%	3.39% Fixed	Oct 31 2014	3.5% (min £595)	£0.00	No	5.2% APR
60%	3.69% Tracker	2 Years	£1495	£0.00	Free valuation & £250 cashback	4.3% APR

Search the whole BTL mortgage market free
 
Email: info@propertyhawkbtlmortgages.co.uk

Tel: 029 2069 5446

IMPORTANT! Due to current market conditions, lenders are withdrawing and replacing products with little or no notice. Please check our website regularly to see the most up-to-date products available.

Your home may be repossessed if you do not keep up repayments on your mortgages.The Financial Services Authority does not regulate some forms of mortgage.

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Letting to students

I sometimes despair at the quality of advice given to prospective landlords in our national news papers.  The articles written by jobbing journalists are as accurate and useful as an undergraduates dissertation.  A collection of vaguely related topic on students, property and letting property produced by people that have no interest and certainly no real experience of letting property.  A few dubious rental yields and the odd meaningless strap line like "buy-to-let booming" and what have you got?  A totally useless non article that misleads more than it informs.

For as start there is no such thing as letting to students.  Anybody in the know is aware that are we talking about two very distinct groups; undergraduates or post graduates.  They are very different beasts.  The former are likely to put up with less salubrious areas and be packed in like sardines (after all it's all part of the student experience).  The latter are more akin to young professionals and will require higher standards of accommodation and will not be prepared to live like a member of the Waltons.

I've written in length about letting to students.  Follow the link and hopefully it will inform and not mislead.

Landlord insurance - specialist brokers

Should I go into BTL?

A Guardian reader enjoys winding up the readership by asking the question should I go into BTL.

Sit back and watch the anger and frustration spew out from the Guardian reader faithfuls.

It's a bit like asking the Catholic Church which condom allows the most pleasure.

BTL mortgage sector continues to grow

BTL loans hit a record high of 160 billion pounds according to statistics from the Council of Mortgage Lenders..

There are now 1.42 million BTL mortgages compared with 89,000 a decade ago.

Mortgage Search - whole of market

Record number of BTL repossessions

The Financial Times have reported a record number of BTL property falling into repossession.

25 year BTL fixed rate

The first 25-year fixed-rate mortgage for buy-to-let investors is been launched by the Manchester Building Society.

Chief executive David Cowie said: “To my knowledge, this is the first time ever that a lender has offered a fixed-rate, buy to let mortgage for buy to let investors.The buy to let market is now far more robust than the housing market as a whole.”

The rates on offer are a 5.74 per cent interest rate for capital repayment mortgages and an interest only version at an interest rate of 5.99 per cent, both with a £749 arrangement fee.
MBS will lend up to 75 per cent of the value of a property.
The residential mortgage interest rate is 5.24 per cent with a £995 arrangement fee and MBS will lend up to up to 80 per cent of the value of the property.

Chris Mitton, Market Relationship Manager said “I think the buy to let products will particularly appeal to investors seeking to hold their buy to let property over the long term, and want to lock in certainty of their funding costs for an extended period of time.

Search the whole BTL mortgage market free
 
Email: info@propertyhawkbtlmortgages.co.uk

Tel: 029 2069 5446

IMPORTANT! Due to current market conditions, lenders are withdrawing and replacing products with little or no notice. Please check our website regularly to see the most up-to-date products available.

Your home may be repossessed if you do not keep up repayments on your mortgages.The Financial Services Authority does not regulate some forms of mortgage.

Summer- a good time to let?

I was chatting with a letting agent last week and it was interesting to get her perspective on the lettings market.  Generally it was pretty buoyant and in particular the area that I'm looking to let in.

One interesting perspective was her view that Summer is a good time to bag good tenant.  In her view Summer lettings attract a tenant that wants to move as part of planned liftestyle change and are not forced into it because of job or circumstances.

In her view if you can bag a Summer tenant they are more likely to be more organised and stay longer.  I'd be interested if other landlords have found this to be the case?

Landlord insurance - specialist brokers

Rents to rise by 3.9%

The RICS the body representing chartered surveyors predict that rents in the UK will rise by 3.9% on average across the UK over the next 12 months in their latest quarterly survey.

The report recognises that in the three months to July, the number of properties coming on to the market was little changed. However, demand among tenants is continuing to grow and has outpaced the change in supply since the first half of 2009, although the gap has recently narrowed.

Rents are up 3% over the last 6 months according to the Rentindex and now stand at just under £615 per month.

The RICS survey highlighted strong regional variations with the north-west experiencing the biggest increase with a 6.9% rise, whereas surveyors in Wales reported that rents had remained flat over the past 12 months.

Landlord insurance - specialist brokers

3.5% 2 Year Fixed Rate

Property Hawk Mortgages is offering a fantastic new buy-to-let mortgage - a 3.50% 2 year fixed rate up to 75% LTV with a percentage fee and no early repayment charge!

Property Hawk Mortgages is pleased to provide this excellent buy-to-let mortgage with Hinckley & Rugby Building Society. This 3.50% 2 year fixed rate, with a percentage fee and no early repayment charge, is highly competitive in the 75% LTV bracket and could be a great choice for landlords.

Search the whole BTL mortgage market free
 
Email: info@propertyhawkbtlmortgages.co.uk

Tel: 029 2069 5446

IMPORTANT! Due to current market conditions, lenders are withdrawing and replacing products with little or no notice. Please check our website regularly to see the most up-to-date products available.

Your home may be repossessed if you do not keep up repayments on your mortgages.The Financial Services Authority does not regulate some forms of mortgage.

BTL mortgages most popular

Max LTV	Initial Rate	Term	Completion fee	Booking fee	Incentives	Overall Cost for Comparison
85%	5.49% Discount	2 Years	2.5%	£130.00	No	6.9% APR
85%	5.79% Discount	2 Years	3%	£130.00	No	7% APR
80%	4.79% Discount	2 Years	£2999	£130.00	No	8.2% APR
80%	6.09% Fixed	2 Years	3%	£130.00	No	7.1% APR
75%	3.49% Tracker	Sep 30 2014	2%	£195.00	Cashback £500	6% APR
75%	4.89% Fixed	Nov 30 2014	£995	£0.00	No	5.1% APR
75%	3.85% Discount	2 Years	£2450	£250.00	No	5.4% APR
75%	3.5% Fixed	2 Years	3.5%	£250.00	No	5.3% APR
70%	4.25% Discount	2 Years	0%	£199.00	Free valuation up to £335 for purchases and remortgages and free legals on remortgages only.	6% APR
65%	3.25% Tracker	Sep 30 2014	2%	£195.00	Cashback £500	5.9% APR
60%	3.25% Discount	2 Years	£1750	£250.00	No	5.3% APR
60%	5.49% Fixed	2 Years	2.5%	£130.00	No	6.9% APR

Search the whole BTL mortgage market free
 
Email: info@propertyhawkbtlmortgages.co.uk

Tel: 029 2069 5446

IMPORTANT! Due to current market conditions, lenders are withdrawing and replacing products with little or no notice. Please check our website regularly to see the most up-to-date products available.

Your home may be repossessed if you do not keep up repayments on your mortgages.The Financial Services Authority does not regulate some forms of mortgage.

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Calls for landlord licence..again!

Kitty Ussher, former treasury minister is the latest leading member of the Labour Party calling for all private landlords to be licensed.  She has recently written an article in the left leaning Fabian Society calling for:

 “All landlords should be licensed and required to raise the quality of their homes to the Decent Homes standard required by the Department for Communities and Local Government.

“If they are unable to do so, they should hand over long-term management of their property to a social letting agency in return for a fixed, lower rate of return.”

Usher who recently backed Ken Livinstone in his battle to be elected to become Mayor of London is the latest of a series of Labour MPs to call for private landlords to be licensed.  Property Hawk readers may remember that Ken Livingstone had made a campaign for rent controls as a major part of his campaign to be re-elected.

Is this a big surprise?  Not really….remember it was the Labour Party that regulated the private rented sector almost out of existence during the last century.  Begrudgingly they have kept away from rent control legislation but landlords should be clear that every fibre in the Labour Party is against the existence of small landlords and an independent private rental sector.  A leopard doesn't chance it's spots as "OLD PRUDENCE" AKA Gordon Brown the tax and spend Chancellor who managed to leave the country with a massive debt despite his bleating re-assurances proves.

BE AWARE!

Landlord insurance - professional cover & rates

Weekly Tenancies and Section 21 Notices

Landlords need to be aware if they have a weekly tenancy that the date for the Section 21 Notice might not be straight forward.

A weekly tenancy is one which is now periodic and rent is payable weekly.  When calculating the dates for your Section 21 Notice, you  first need to look at the day of the week the tenancy  became a periodic tenancy and this will give you your tenancy period.

For example if your fixed term ended on 31 July 2012, your periodic tenancy starts on Wednesday 1 August 2012, you then have a tenancy period that runs from a Wednesday to a Tuesday.

Using this example, when you prepare your Section 21 Notice you need to give the tenant at least two months notice and it must expire on a Tuesday.

This may seem straight forward but I have had many landlords who just give 2 months notice to expire on the last day of the month.  I have also had situations were the Court have queried the validity of the Notice because at first glance it appears to end on the wrong date when the Judge has not picked up that the tenancy is weekly.

If you require any assistance preparing a Section 21 Notice or you would like your Notice checked please do not hesitate to contact me at propertyhawk@fidler.co.uk
 
Rebecca

  Free property management software, Free tenancy agreements

Newhams new landlord licensing scheme

Newham council is taking on the borough’s bad landlords with tighter legislation and a new licencing scheme.

The council aims to be the first borough authority to require private landlords to be licensed. From January 2013 all landlords in the borough will have to pay £150 every five years. Failure to licence properties or breach conditions could mean fines of up to £20,000.

Buy-to-let makes up 20%

The latest figures from Hart show that over 20% mortgages are being loaned on buy-to-let properties.  This is up from 15.3% at the start at the year.

Haart financial services managing director Davi Miles said: “Although lending criteria remains tight, there are certainly products available to applicants, and we would expect this sector of the market continue to grow throughout the remainder of 2012 and beyond as it increasingly underpins the UK property sector as a whole."

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Six month council tax exemption under threat

It worries me that in the new Localism Act, the Government is considering removing the six month council tax exemption on properties that fall empty. There is a proposal to allow councils to charge what they see fit, so anywhere from 0-100 percent of the council tax.

The Government says ‘there is no compelling reason why the first six months should be treated so generously’.

If councils then did decide to charge full council tax it could add considerably to the financial burden of rental voids.

In a time when councils are strapped for cash they are likely to jump at any opportunity to bring in added revenue and I could see many opting to charge the full 100 percent on empty rental properties. Let's all face it the electorate  don't have any great sympathy for the plight of landlords. In fact it would probably be a vote winner as well as a revenue raiser.

The only potential misgiving they might have would be the logistical difficulties of collecting the £2.86 charges when some rental properties fall empty for a day or two between tenancies. Maybe we'll see council offering one month period without charge before they through the full charge onto landlords.

It's purely speculation at this time so let's just hope it doesn't happen.


Free property management software, Free tenancy agreements

Does BTL make you evil?

Some BTL mortgage advisers try to tempt a young innocent to the BTL dark side when a young professional asks whether they should rent out their existing residential property instead of selling in This is Money.

Some comment that his soul will turn to stone and evil poisons will begin to seep through his pores, or are they just myths put out by landlord hating internet trolls?

House price drop

UK house prices fell at their fastest annual pace in nearly three years last month, according to data from the Nationwide.

The was a 0.7% fall in July taking prices 2.6% lower than a year ago.
Is this a big surprise.  Lets face it the economy is hardly booming! 

Prices are now 13% below the 2007 peak

Free property management software, Free tenancy agreements

Average rental yields above 6.0%

“Buy-to-let property remains a good investment for landlords with average rental yields consistently over 6.0%. In Q2 2012, those applying for a buy-to-let mortgage via Property Hawk Mortgages reported an average rental yield of 6.60% which is up on the previous quarter (6.29%).

“As to be expected, London was the most popular location for rental property in Q2, but the capital recorded a below average rental yield of 5.62%. The second most popular locations were Newcastle upon Tyne and Birmingham, both recording an above average rental yield of 7.80% and 7.22% respectively, which goes to show how choice of location can affect overall returns.”




Search the whole BTL mortgage market free
 
Email: info@propertyhawkbtlmortgages.co.uk 

Tel: 029 2069 5446

IMPORTANT! Due to current market conditions, lenders are withdrawing and replacing products with little or no notice. Please check our website regularly to see the most up-to-date products available.

Your home may be repossessed if you do not keep up repayments on your mortgages.The Financial Services Authority does not regulate some forms of mortgage.

New BTL products

Property Hawk Mortgages is delighted to offer two highly competitive exclusive buy-to-let products from Accord BTL, comprising a 3.25% 2 year tracker up to 65% LTV and a 3.49% 2 year tracker up to 75% LTV. Both products have a £500 cashback. 

Best BTL mortgage products

Max LTV	Initial Rate	Term	Completion fee	Booking fee	Incentives	Overall Cost for Comparison
85%	5.49% Discount	2 Years	2.5%	£130.00	No	6.9% APR
85%	5.79% Discount	2 Years	3%	£130.00	No	7% APR
80%	6.09% Fixed	2 Years	3%	£130.00	No	7.1% APR
80%	4.79% Discount	2 Years	£2999	£130.00	No	8.2% APR
75%	3.85% Discount	2 Years	£2450	£250.00	No	5.4% APR
75%	4.89% Fixed	Nov 30 2014	£995	£0.00	No	5.1% APR
75%	3.49% Tracker	Sep 30 2014	2%	£195.00	Cashback £500	6% APR
70%	4.25% Discount	2 Years	0%	£199.00	Free valuation up to £335 for purchases and remortgages and free legals on remortgages only.	6% APR
65%	3.25% Tracker	Sep 30 2014	2%	£195.00	Cashback £500	5.9% APR
60%	3.25% Discount	2 Years	£1750	£250.00	No	5.3% APR
60%	5.49% Fixed	2 Years	2.5%	£130.00	No	6.9% APR

Search the whole BTL mortgage market free
 
Email: info@propertyhawkbtlmortgages.co.uk

Tel: 029 2069 5446

IMPORTANT! Due to current market conditions, lenders are withdrawing and replacing products with little or no notice. Please check our website regularly to see the most up-to-date products available.

Your home may be repossessed if you do not keep up repayments on your mortgages.The Financial Services Authority does not regulate some forms of mortgage.

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