BTL mortgages - most popular

Looking for a buy-to-let mortgage? Visit www.propertyhawk.co.uk and save time and money!

Our free online buy-to-let mortgage service aims to provide you with the most competitive buy-to-let mortgages in the market, whilst helping you choose a product to suit your individual requirements. You can use the free buy-to-let mortgage finder to get an instant personalised quote and apply for your mortgage online. There are no broker fees charged for this service so you could save yourself considerable time and money when arranging your next buy-to-let mortgage.

Below is a selection of the most popular buy-to-let mortgages currently available. For full information on these products, and all other buy-to-let mortgage schemes available to you, please visit www.propertyhawk.co.uk and click on Mortgages to use the free online buy-to-let mortgage finder. If you would like to discuss your requirements with a member of the support team please telephone 029 2069 5446.

Most popular buy-to-let mortgages

Interest Rate	Overall Cost for Comparison	Max LTV	Product Detail	Completion Fee	Early Repayment Charges
3.64% Tracker	5.2% APR	60%	Variable tracker rate of BBR + 3.14% until 30/09/2012 then reverting to the lender's standard variable rate which is currently 4.99% for the remainder of the term. This product is available up to 60% LTV and the rental calculation is 125% at payrate. An application fee will apply.	3.5%	4% of original balance being repaid until 30/09/2012
3.79% Tracker	5.3% APR	60%	Variable tracker rate of BBR + 3.29% until 30/09/2012 then reverting to the lender's standard variable rate which is currently 4.99% for the remainder of the term. This product is available up to 60% LTV and there is a rental calculation of 125% at a notional rate of 4.99%. An application fee will apply.	3.5% (min £595)	3% of amount being repaid until 30/09/2012
3.88% Tracker	4.1% APR	65%	Variable tracker rate of BBR + 3.38% for the lifetime of the loan. This product is available up to 65% LTV and there is a rental calculation of 100% at a notional rate of 8.5%. An application fee will apply. Available on a repayment basis only and for loans up to £150,000. The completion fee is payable at offer stage.	£1695	1% of original balance being repaid for 1 year
4.35% Tracker	5.1% APR	75%	Variable tracker rate of BBR + 3.85% for 1 year then reverting to a variable rate of BBR + 4.19% to give a current rate of 4.69% for the remainder of the term. This product is available up to 75% LTV and the rental calculation is 125% at payrate. An application fee will apply.	3%	3% of amount being repaid for 1 year
4.89% Fixed	5.1% APR	60%	Fixed rate of 4.89% until 30/09/2012 then reverting to the lender's standard variable rate which is currently 4.74% for the remainder of the term. There is a free valuation up to £680 for purchases and remortgages and free legals or £200 contribution for remortgages only. This product is available up to 60% LTV and the rental calculation is 125% at payrate. There is a £250 booking fee and an application fee will apply.	£1499	4% of amount being repaid until 30/09/2012
4.94% Tracker	4.6% APR	70%	Limited company product. Variable tracker rate of BBR + 3.84% until 30/09/2011 then reverting to a variable rate of BBR + 3.49% to give a current rate of 3.99% for the remainder of the term. This product is available up to 70% LTV and the rental calculation is 125% at a notional rate of 4.99%. An application fee will apply.	3.5% (min £595)	3% of amount being repaid until 30/09/2011
4.99% Fixed	5.5% APR	80%	Fixed rate of 4.99% until 30/09/2011 then reverting the the lender's standard variable rate which is currently 4.99% for the remainder of the term. This product is available up to 80% LTV and there is a rental calculation of 125% at payrate. An application fee will apply.	3% (min £595)	5% of amount being repaid until 30/09/2011
5.4% Fixed	5.3% APR	75%	Fixed rate of 5.40% until 01/10/2012 reverting to a variable rate of BBR + 4.24% to give a current rate of 4.74% for the remainder of the term. This product is available up to 75% LTV and there is a rental calculation is 125% at payrate. An application fee will apply.	2.5%	3% of amount being repaid until 01/10/2012
5.45% Fixed	5.7% APR	75%	Fixed rate of 5.45% until 31/10/2012 then reverting to the lender's standard variable rate which is currently 5.39% for the remainder of the term. There is a refund of valuation (up to £500) and free legals for remortgages. This product is available up to 75% LTV and the rental calculation is 125% at payrate. An application fee will apply.	1.25%	2% of amount being repaid until 31/10/2012
5.49% Fixed	5.1% APR	60%	Fixed rate of 5.49% until 01/11/2012 then reverting to the lender’s standard variable rate which is currently 4.79% for the remainder of the term. This product is available up to 60% LTV and the rental calculation is 120% at payrate. An application fee will apply.	£1995	4% of the outstanding balance as of 1st January until 01/11/2012

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.

Please visit www.propertyhawk.co.uk and click on Mortgages to search the full product range and find a buy-to-let mortgage to suit your specific personal circumstances.

Email: info@propertyhawkbtlmortgages.co.uk

Tel: 029 2069 5446

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.

Landlords face new shared housing restrictions

There may be trouble ahead for landlords of residential shared property as new legislation is proposed to give local authorities the ability to declare certain areas “no-go” zones for shared accommodation. This would apply to any landlord wishing to rent out a property that was previously used as a family home, to certain groups of tenants such as students, young professionals or nurses, effectively affecting a large portion of key rental markets. If this goes ahead, with certain areas and locations restricted to landlords of shared properties, this would replace the current requirement to obtain planning permission.

Any new legislation would complicate the already lengthy lettings process, potentially putting off prospective landlords or worse, leading to a rise in unregulated rental properties. This additional red tape would make the life of a private sector landlord inflexible, not giving you the opportunity to switch your lettings demographic easily. Traditional student areas would also be in danger, putting a stop to the generally vibrant local economies that are created in these areas.
It is always wise to keep on top of new landlord legislation, both proposed and current, to make sure that you know your rights as well as the rights of your tenants, and also if there are any cost saving exercises that you could partake in to reduce your costs. There are a number of websites that offer free advice for landlords owing shared lettings or singular buy to let investments, it’s good practice to check regularly for new updates to make sure that your rental property portfolio is in line with current legislation. It is also worth checking with a local letting agency.

New FREE property marketing

Landlords have yet another way of advertising their buy-to-let properties for free with the launch of U-rooms.

Now U-rooms promises to revolutionise the way the rentals market. Now where have I heard that before?

How about the site recently launched by the 'Beeny one'. Tepilo.....again revolutionising the market for letting property.

The downside to these free lettings website is there success will depend on the number of tenants they get going to the site. For most landlords they will prefer to pay a few quid to get their properties listed on the big property portals like Rightmove or Property Finder.

There is one site Makeurmove that even guarantees to list the property on Rightmove for FREE opting for a system that requires the tenant to pay a registration fee in the same way many traditional letting agents do.

In fairness to U-rooms the site seems pretty clean and well designed and apparently the two guys behind it have quite an Internet pedigree; one being the former chief technical officer of lastminute.com and the other headed up the online operation with student lettings at UNITE.

Goodluck guys...you'll need it. The world of free property marketing sites is littered with the discarded bones of revolutionaries.

Let my property

Most expensive flats to rent

Landlords looking at renting out an apartment & are looking at getting top rent should check out this selection of the most expensive apartments to rent in London.

Now for me a flat that rents for say £750 a month is on the expensive side. I know I'm only a provincial boy. Renters in central London wouldn't expect a broom cubhoard for that.

However £40,000 a WEEK. That would buy a terrace house in Liverpool. Actually probably a street of houses come to think about it.

Remember that from October annual rents above £25,000 to £100,000 will be still be covered by the Assured Shorthold tenancy legislation. Previously they were exempted.

Landlord insurance - best rates

Remortgages lead the way

According to an industry expert Andy Young of TBMC, remortgages accounted for over 40 per cent of all buy-to-let mortgages in the first three months of this year.

Mr Young said: "TBMC has seen a steady growth in the remortgage market over the last three quarters, with 45 per cent of applications received in the April to June quarter for remortgages up from 41 per cent in the first three months of this year."

Any Young of of TBMC believes that the strength in remortgages reflects the recent availability of some competitively priced buy-to-let mortgage products in the market place.

For the latest buy-to-let mortgages have a look at Property Hawk Mortgages.

Buy-to-let mortgage search

Latest possession research

The latest research by the NLA shows that almost half (47%) of possessions by landlords are due to the tenants failure to pay their rent.

The research also showed that 57% of landlords reported that the tenants took less than 3 months to move out.

Over 4 out of 5 cases (81%) were resolved in 5 months.

Access expert legal advice