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Buy to Let Mortgage Broker Georgia

Local Companies

Capitol City Bank & Trust Company
(404) 752-6067
562 Lee St SW
Atlanta, GA

A & C Mortgage LLC
(678) 822-0400
3042 Oakcliff Rd
Atlanta, GA

AAA Direct Mortgage
(770) 448-7796
3955 Pleasantdale Rd
Atlanta, GA

Cummings Mortgage Co.
706-295-7165
111 Bridgepoint Plaza Ste 302
Rome, GA

Countrywide Mortgage Corporation
770-414-6600
100 Colony Square, 1175 Peachtree St.
Atlanta, GA

Novation Mortgage
678-698-3557
2501 E. Piedmont Road
Marietta, GA

Option 1 Finanical
678-232-0828
2380 Buford Dr Suite 106-328
Lawrenceville, GA

1st American Capital LLC
(404) 588-5500
191 Peachtree St Ne
Atlanta, GA

American Equity Mortgage
770-955-5700
200 Galleria Pkwy SE
Atlanta, GA

Allied Home Mortgage Capital Corp.
770-939-7075
2179 Northlake Pkwy
Tucker, GA

Some landlords who have been looking after their buy to let mortgages successfully for a number of years have remarked that they no longer need to seek advice from a buy to let mortgage broker. However, this kind of attitude may cost them in the long and the short term. There are a vast number of different mortgage deals that have been pulled by banks and with the lack of confidence in the housing market it is all the more important that you search out the best mortgage deal and the best advice.

Buy to let mortgage brokers are specialists in their chosen field. They will have all the information on interest rate changes and new products offered by all of the buy to let mortgage companies. By going it alone and trying to avoid using a mortgage broker you could be missing out on the best possible mortgage deals. This could be a costly mistake.

Over the next year many landlords who took out an attractive fixed rate deal will become aware that they will have to look elsewhere for their mortgage or face a higher rate of interest on their loans. Most people will be expected to have at least a twenty percent deposit or more and with the national average in property prices reported at being a four percent drop some landlords will have to come up with the difference or face a higher interest rate or a higher arrangement fee. However, a good buy to let mortgage broker will be able to advise you in many ways to protect yourself from unnecessary costs.

Innovative ways to look at a buy to let mortgage

Many lenders will ask that you cover a minimum of one hundred and twenty percent of your mortgage payment. This figure can sometimes be higher. However, be aware that there are many ways to calculate this figure. An experienced buy to let mortgage broker can suggest ways to incorporate your own income alongside your rental income.

Think laterally

If your property is large enough it might be worth considering turning a living room into another bedroom. Some landlords have found this is a great way to boost their cash flow. The conversion of a living room usually costs less than two thousand pounds which can easily be paid off by the extra rent you will be getting. Many landlords are getting a hundred pounds extra a week. Talk to your local council as you may need change the status of your house to a HMO or a House in Multiple Occupancy. This can mean extra provisions are required such as fire doors, and an alarm wired throughout your house. You will have to make sure that your electrics meet the standards required for a HMO. Your local council will be able to talk you through any changes that you need and will often be able to assist you or put you in touch with your local fire officer.

Sean Horton is a Director of http://www.letpropertystrategies.co.uk Let Property Strategies who are a http://www.letpropertystrategies.co.uk buy to let mortgage broker

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Featured Local Company

Capitol City Bank & Trust Company

(404) 752-6067
562 Lee St SW
Atlanta, GA

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Related Local Event

2Nd Annual Real Estate Industry Day
Dates: 9/18/2009 - 9/18/2009
Location: Holiday Inn Decatur
Decatur, GA
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