The average price of renting a property in England and Wales increased annually by 3.9% during April... More
The buy-to-let mortgage industry continued to grow during the first quarter of 2013, according to la... More
The buy-to-let mortgage sector has experienced something of a comeback over the past couple of years... More
The Bank of England’s Trends in Lending report has found continued demand for rental accommodation h... More
A survey of chartered surveyors has revealed that almost a quarter believe continued high demand for... More
Buy-to-let is enjoying a bit of renaissance: more mortgages available, higher rental yields and high... More
Whether you let a single flat or 100 properties, find out the tax on buy-to-let property and income ... More
Whether you’re a newbie to buy-to-let, or a seasoned investor, one of the most important things when... More
A rate reduction of 0.70% has pushed Godiva Mortgages’ variable for term deal to the top of the best... More
Principality Building Society has cut the rate on its two-year fixed-rate buy-to-let deal by 0.20%, ... More
NatWest Mortgage Services has made a number of rate reductions across its buy-to-let range, with its... More
A rate cut of 0.20% has boosted this two-year deal’s position in the intermediary-only buy-to-let ma... More
Nottingham Building Society has reduced the rate on its three-year fixed buy-to-let mortgage by 0.19... More
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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