BUY-TO-LET

Getting the job done quickly and efficiently

My Hero

Here at Independent James we can provide you with the most suitable advice to maximise your profit potential in a tight rental market. It is well known that landlords are a prudent bunch, so it is our position to prove our worth to you with our service based proposition. We can help advise you regarding recent income tax changes and SDLT increases.

Demand remains high in the rental market, particularly in London, driven by the increase in single occupancy, changing demographics, the inability of debt laden first time buyers to climb onto the ladder and immigration into the global UK economy. The tightening of lending criteria and price increases has also led to a number of people being unable to purchase and thus continuing to rent. 

"As a professional landlord, administrative support and guidance are what I needed and what I got."

Mr A. Garner, Professional Landlord, London

It is still vital to take account of all expenses and possible interest rate rises. We can assist you with any calculations to ensure you are not relying upon capital growth for profit. Increasingly we have seen tighter underwriting in the investment property market, particularly on rental tests. Is buying via a Limited Company the solution? We can help you look at the options.

Traditionally buy to lets are not based on your personal income but this can sometimes be used to sway a lending decision your way and even obtain better interest rates. Lenders are increasingly insistent on a minimum income requirement and some will even stress test your whole portfolio against your personal income. If you are an ‘accidental landlord’ or inherited a property you may also be regarded as a Consumer Landlord, meaning further scrutiny.

Not only do we use up to date technology to source you the best deals but also operate with a number of third party providers to obtain exclusive deals and reduced fees for you. This can be especially prevalent in the complex Commercial market where we have built solid relationships with a number of contacts.     


Independent James can help you increase your profitability and get the job done quickly and efficiently for you. 

RELATED CONTENT

First-time buyers


Speed is of the essence in the purchase process and quite often can be a determinant factor for you in obtaining your dream property.


EXPLORE

Remortgaging


Is now the best time to remortgage? Mortgage interest rates are still historically very competitive and now may be the best time to assess...


EXPLORE

Buy-to-let


Here at Independent James we can provide you with the right advice to maximise your profit potential in a tight rental market. It is well...


EXPLORE

Offset


Offset Mortgages allow you to repay your mortgage in a more flexible manner. In essence, mortgage interest is not payable on the sum...


EXPLORE

Creatives


We realise the varied nature of your work, and more importantly working hours, can make the simplest of tasks difficult to...


EXPLORE

Contractors


In recent years there has been a shift towards people contracting, with the format allowing flexible working arrangements and often...


EXPLORE

Second charge mortgages


As a result of the European Mortgage Directive (implemented on the 21st March 2016) to call ourselves ‘Independent’...


EXPLORE

Commercial


As our clients have grown with us and are looking at various forms of commercial funding, our expertise has also developed in these...


EXPLORE



Top