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If you are looking to buy a property for rental purposes, you may want to think about a number of factors, such as:

• The location of your property; you may want to look at which parts of the area are popular with those looking to rent.
• Which type of tenant are you looking to attract? (E.g. students, families, professionals.)
• The condition of the property; will you have to spend a lot of time and money of maintenance?

A loan to value (LTV) mortgage is a percentage that indicates the size of the loan that you will be given in relation to your property’s value.

An LTV mortgage also takes into consideration the deposit you have paid.

75% loan to value represents the higher end of mortgage rates that most btl lenders will offer. Accordingly rates of interest tend to be higher.

Some lenders will stretch to 80% but you will find the rates for these products can be high.

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