Professional Help for Landlords
Both New & Experienced
We help landlords every step of the way no matter your portfolio size and complexity. Whether you’re a first-time landlord or adding to a large portfolio, you will need to obtain a buy-to-let (BTL) mortgage, consult our team for up-to-the-minute product information on BTL, HMO, bridging and refurbishment products.
Buy-to-Let Mortgages
We provide expert advice whether you are an experienced investor adding to your portfolio, starting out with your first BTL or possibly a consumer landlord who has maybe inherited property or thinking about renting out your current home.
We have a team of qualified, friendly and experienced mortgage advisers who will find the best deal from our panel of lenders. Identifying the best BTL mortgage is often not as straightforward as a normal mortgage, key issues arise such as the borrower’s experience, rental income, lenders’ stress tests etc…
Arrangement costs and conveyancing fees can also be higher with BTL, our experienced team will steer you through the process to ensure you get the best possible deal, that’s what we are here for!
House in Multiple Occupation (HMO)
House in Multiple Occupation (HMO) is a property rented out by several people who are not from 1 “household” but share facilities such as the bathroom and kitchen. These are often on individual ASTs (assured shorthold tenancy). Dependant on whether the property is licenced or not will determine the lenders that can be approached to help fund your requirements.
Portfolio
We provide expert advice for the acquisition, re-structure and re-finance of complex property portfolio structures with many of our clients owning properties running into the hundreds of units. Whatever the size and make-up of your property portfolio we’ll provide unbiased, whole-of-market advice offered freely and without obligation. For a discussion on your portfolio funding requirements please call our team today.
Let-to-Buy
If you want to move house but you’re struggling to sell your home or maybe your property has dropped in value, let-to-buy is something you may want to consider. Letting out your property could allow you to move into a new home without feeling pressure to sell in a rush and potentially at a loss. Although some lenders will allow you to let out your home on a residential mortgage, it will only be on a temporary basis. So unless you are only going to be letting it out for a short time, it is likely you will need a BTL mortgage. This is where we come in, we will guide you through all the details and work out what is best for you and your home.
How We Can maximise your portfolios profitability
- Regulatory Changes: The regulatory environment for landlords can change, impacting rental income, tax obligations, and legal responsibilities. Staying abreast of these changes and ensuring compliance is an ongoing challenge and can dramatically affect how your portfolio is funded. We can navigate the minefield for you and ensure you have the very best possible funding options in place and ensure you maximise your profitability.
- Mortgage Affordability and Financing: Securing favourable mortgage terms, especially as regulations change, can be challenging. Affordability criteria, interest rates, and lending policies can impact the ability to expand a property portfolio. With existing relationships wth a huge range of funders we can ensure you have quick, easy access to the very best rates across the market. Don't pay more than you need to let us use our contacts to secure your very best option.
- Tenant Management: Dealing with tenant-related issues, such as maintenance requests, disputes, and finding reliable tenants, is a recurring challenge for landlords. Tenant turnover and void periods can also affect rental income. That means your financing solutions are critical to your profitability. With Build Synergy Capital in your corner we act as your strategic partner and constantly monitor the very best solutions for your business.
- Property Maintenance and Upkeep: Maintaining properties in good condition to attract and retain tenants can be time-consuming and expensive. Balancing the need for regular maintenance with budget constraints is a challenge for landlords. We work as your capital partner helping you deliver high standards across your professional portfolio. Whether is re-financing to release funds to invest elsewhere, capital to undertake light or heavy refurbishment or property you want to extend or convert to HMO property, we can work with you to source the very best solutions available.
- Rental Market Volatility: Changes in the rental market, such as fluctuations in demand or oversupply in specific areas, can impact rental values and occupancy rates, affecting overall portfolio performance. We help you navigate the minefield and ensure that your financing solutions offer you the very best chance of profit and sucess.
- Economic Uncertainty: Economic downturns, interest rate changes, or unexpected events (e.g., a pandemic) can impact the financial stability of landlords, affecting both existing properties and plans for portfolio expansion. There has never been a time when having a trusted broker supporting your business has been more important. Your business is our business and we will do everything possible we can to ensure you achieve success.
- Market Entry Barriers: Entering the property market, especially for first-time landlords, may be challenging due to high property prices, stringent lending criteria, and deposit requirements. We can help you leverage our existing relationships with the most extensive pool of lenders in the business. We elevate your business and maximise your chance of chance of securing the funding you require.
- Liquidity Challenges: Portfolio owners may face liquidity challenges, especially if a significant portion of their capital is tied up in properties. This can limit the ability to take advantage of new investment opportunities. We will be your capital partner and ensure that not only can you maximise your liquidity but that you can seamlessly fund new opportunities as soon as they arise.
- Tenant Defaults and Arrears: Tenant defaults on rent payments or arrears can pose financial challenges for landlords. Managing these situations while adhering to legal procedures adds complexity to the landlord-tenant relationship. We can find solutions to almost any cash flow issue with an extensive range of funding solutions. We are always in your corner!
- Housing Market Dynamics: Changes in property values and market dynamics, including regional variations, can impact the overall performance and growth potential of a property portfolio. We partner with you to ensure the impacts of ebbs and flows of the market conditions are managed and risks are mitigated.
- Rising Operating Costs: Increasing costs associated with property ownership, such as insurance, property taxes, and maintenance expenses, can impact profit margins for landlords. We can help you make sure your financing options are efficient and ensure your profitability is maximised.
- Energy Efficiency Compliance: Evolving energy efficiency standards and regulations may require landlords to make costly upgrades to properties to comply with environmental standards. We can help you with bespoke refurbishment financing from lenders motivated by sustainability.
- Financing Restrictions: Changes in lending criteria and restrictions on borrowing may limit the ability of landlords to leverage their portfolios for additional property acquisitions. Lean on our expertise and specialist Lender Relationship Managers to find the lenders offering criteria most suitable to your needs, elevating your chance of securing the right finance solutions.