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Buy to let mortgages are available in fixed and tracker rates, just like the mortgages you can get on your own home. Buy to let tracker rate mortgages are available over introductory two, three or five year periods, or even for the full term of your mortgage.
Tracker rates are usually linked to the Bank of England base rate, and will increase or decrease in line with this (read more about tracker rate mortgages).
As tracker rates are variable you must make sure that you have enough flex in your budget to absorb a higher mortgage payment if rates rise.
In terms of buy to let, a variable tracker can help you maximise profits when rates are low, but they can be crippling if rates suddenly jump – just a 1% rise in the Bank of England base rate could add £84 per month to your mortgage payment (based on an interest only mortgage of £100,000).
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