Be confident that the mortgage you use is the best possible option for your needs and circumstances.

At Commercial Trust we only broker financial solutions for property investment.

We focus on this part of the mortgage industry so we can excel at it.

This means you:

• Get a great deal
• Enjoy world class customer service
• Be confident your deal is matched to your needs and circumstances

Flexible payment options

When you take out a buy to let mortgage, you can opt for interest-only or capital repayment options, depending on whether or not you want to own the property at the end of the term.

• Fixed rates will protect you from fluctuations in mortgage interest rates.
• Variable rates will go up or down based on the rate they track.

Loan To Value (LTV)

The loan to value is the amount you want to borrow as a percentage of the property value.

Say you wanted to buy a property worth £180,000 with a 25% deposit, then your deposit amount would be £45,000 and the LTV would be 75%.

You are borrowing 75% of the property value.

Initial Rate Period / Deal period

There are a range of initial rate periods, but two years or five years are typical.

The initial rate period is the period of time you get a preferential rate offered by the lender, after which you can remortgage.

If you don't remortgage you will go on to the lender's Standard Variable Rate which tends to result in higher monthly payments than you could achieve by securing another deal.

• Borrowing over two years gives you the flexibility to change your rate sooner, if you expect mortgage interest rates to come down.
• Borrowing over five years offers you flexibility on the maximum amount you can borrow.

Mortgage term

The term is the amount of time you will need the mortgage for in total, e.g. 20 years.

The longer the term, the lower your monthly payments, because you're spreading the cost over more time. But you’ll pay more interest overall.

Your position as a buyer

You can be:

• An experienced landlord
• A first time buyer (never owned property)
• A first time landlord (never owned a rental property before, but own your own home)

To get a buy to let mortgage.

Applicant age

You can apply at any from 18 years or above. Some lenders have no maximum age limit.

Fastest service

Please send us your details using the form above, or call for fastest service using our freephone number above.

We will match your enquiry to one of our experts who will call you right away during office hours (Monday-Thursday 9am – 8pm, Friday 9am-6pm).

They will be your dedicated point of contact and support and will find a product tailored to you.

Thank you, we look forward to working with you.