Brick Wall Building

What is buy-to-let?

In its simplest form, buy-to-let is where a property is bought specifically to be rented out to tenants rather than lived in by the purchaser.

Investors can make money this way by generating an income via the rent charged (so long as it's more than the monthly buy-to-let mortgage repayments), making a capital gain when they come to sell or, in many cases, both.

But, like all investments, there are risks attached to buy-to-let.

For example, you could be hit by rising interest rates, stuck with difficult tenants or unable to sell if the housing market changes.

And times are tougher than ever for buy-to-let landlords with the introduction of higher Stamp Duty taxes and less flexible rules on the tax relief you can claim.

So if you need advice on buy-to-let, check out our comprehensive guide to buy-to-let.

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For mortgages we normally charge a fee of £295. This is payable only on completion of the mortgage. We can waive the Fee at our discretion. We will also be paid a Fee from the lender. The precise amount will depend on your circumstances.

The information given in this website does not contain all of the details you need to choose a mortgage. Make sure that you read the separate key facts illustration before you make a decision. The FCA does not regulate some forms of buy to let mortgages.

If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email. Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS).

AGM Financial Services Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority. 

Registered address: 1 Marschal Court, Stirling, United Kingdom, FK7 7UY Country of registration: Scotland & Registration number: SC573944