adapt mortgages ~ independent mortgages and insurance broker – buy-to-let



Buy-to-Let Mortgages

This is a mortgage for property that will be let by the borrower to other tenants. When Lenders calculate how large a loan the borrower can afford to repay on BTL they do so primarily on the basis of projected rental income, rather than the borrower’s salary although some lenders use a combination of both.

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. People are concerned about their pension provision in retirement and view a buy to let investment as a way of supplementing their existing arrangements. Others see buy-to-let as a medium term investment, or a means to increase their current income stream. Whatever the reason, this is a specialised area and one in which Adapt Mortgages has considerable experience. We have access to the whole of the market and whether you have an existing buy-to-let portfolio or are looking to enter the market for the first time we can help you.

Existing Landlords

If you can answer ‘No’ to any of the following, please contact us.

  • Are you happy with the current rates you are paying on your loans?
  • Are you happy with the rates you are paying on your various insurances?
  • Are you covered for loss of rent (including ground rent)?
  • Are you happy with your current letting agent?
  • Are you happy with the fees/service you get from your solicitor?

First time Landlords

  • We will explain exactly what’s involved with entering this exciting market.
  • We’ll outline all the costs, potential pitfalls and show you how to minimise the risks.
  • We have access to the whole buy to let market and will recommend a solution we think is best for you.
  • We can also recommend an appoint a solicitor for you.
  • We can arrange the necessary specialist insurances that are required.
  • We can outline any tax implications that may apply.

Oh! and by the way, if we think that entering the Buy to Let market isn’t a good idea for you, we’ll tell you.


Alun Davies ~ Adapt Mortgages, 6 Colchester Avenue, Penylan, Cardiff CF23 9BP
tel 029 2048 0555 mob 07799 073 215 e-mail

regulated by the Financial Conduct Authority

“Your home may be repossessed if you do not keep up repayments on your mortgage.”

Leave a Reply

Your email address will not be published. Required fields are marked *