Buy-to-Let
Whether you’re buying a rental property, switching to a better deal, or considering let-to-buy, we’ll guide you through the process and help maximise your returns.
Helping you make the right BTL decisions
Buying a property to rent out — or converting your current home into a rental (let-to-buy) — comes with lots of financial and legal considerations.
At Cloud Mortgage Services, we help you understand:
-
Which lenders offer the best terms based on your property and profile
-
Whether to invest personally or via a limited company
-
How to plan for stamp duty, rental income, and future remortgages
-
What protection and insurance you need as a landlord
We advise on both individual and portfolio landlords, and we stay up to date on UK tax and lending changes that affect property investors.
Rated 4.9 out of 5
Ready to get started?
Your home may be repossessed if you do not keep up repayments on your mortgage.
Let us help you secure your new home in 5 simple steps.
Tell us about yourself
How much you’re looking to spend on a property
How much you’ve saved as a deposit
Whether you’re looking to buy solo or with someone else
How much you earn (so we can work out what you can borrow)
If you don’t know all the answers, that’s okay. We can fill in any gaps later.
We store all your information securely. Check out ourprivacy policyfor details.
Book a quick chat
On this call, we’ll discuss things like:
How much you can borrow
Costs you need to factor into your deposit
How much your mortgage might cost
It’s important to bring all your income information to this call, including:
Bonuses from the past two years
Self-employed income details for the past two years, like salary, dividends and net profit
Get up and running
We’ll also monitor interest rates throughout the buying process. If they fall while you’re applying for a mortgage, you can ask the lender to reduce the rate you’ve secured.