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Mortgage Options for Kent Landlords
Our team of experienced mortgage advisers understand that buy-to-let lending can be more complex than a standard residential mortgage. That is why we take the time to explain your options clearly, compare deals across the market, and help you secure a mortgage that suits your plans, budget, and long-term investment goals.
A fixed-rate mortgage keeps your repayments stable for a set period, usually between two and five years. It is ideal if you prefer consistent monthly payments and want to plan your rental income with confidence.
With a variable rate, your interest can rise or fall depending on market conditions. While this can lead to lower initial rates, it also means your repayments could change over time.
Most landlords choose interest-only mortgages. You pay only the interest each month and repay the capital when you sell or refinance. This can help maximise cash flow, though you will need a clear exit plan for repayment.
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Buy-to-Let FAQ's in Kent
It depends on your goals. Canterbury and Medway tend to perform well for student and commuter lets, while Tunbridge Wells and Sevenoaks attract professional tenants. Our advisers can help you explore which locations align with your budget and yield expectations.
Most lenders require rental income to cover between 125% and 145% of your monthly mortgage repayments. We’ll help you calculate expected yields based on local market conditions.
Yes, many landlords release equity from their current home to fund their first investment property. We can advise you on how this works and what impact it may have on your borrowing capacity.
Yes, but lender criteria can be stricter. We’ll assess your situation and help you find lenders that welcome first-time landlords.
It’s not mandatory, but working with a reputable letting agent can make managing your property easier and provide confidence to lenders.