Comment Contents Cover story


Welcome to the Aldermore special supplement on buy-to-let in association with Mortgage Introducer. It’s the subject everyone in the mortgage industry is talking about: the buy-to-let “boom”. In fact, it isn’t really a boom


but there is undeniably a far stronger recovery in buy-to-let lending than in other areas of the market. The fundamentals underpinning demand for investment properties are strong and kept stronger by the ongoing gridlock in the residential mortgage market. People are still being frozen out of homeownership and with social housing hit by massive public spending cuts the private rented sector is increasingly where people have to go for a roof over their heads. Dramatically rising rents across the country are testament to the lack of supply of property available to rent and while the base rate remains at its historical low, finance is cheap enough that the yields on offer to landlords look pretty irresistible. Particularly given how volatile equity performance has been of late. The boon of buy-to-let was always that it performed counter cyclically to the homeowner market. It is living up to that promise in spades as the economy sputters on the brink of a possible double dip recession. But getting buy-to-let deals financed takes broking back to its roots. It’s all about understanding lenders’ appetites for specific types of deal and knowing how to a present a case. Read on to find out how you can access this blossoming part of the market and get some of Aldermore’s top tips for success.


Sarah Davidson Editor, Mortgage Introducer


0333 3211000 aldermore-mortgages.co.uk


Aldermore. Making your BTL clients feel more at home.


What landlords want from a lender


Understanding the interest rate environment


Tips for first time landlords and brokers helping them


Understanding professional landlords


Complex buy-to-let and how to do it properly


Sensible underwriting helps brokers


Here to help: service at Aldermore


Get in touch p4 p10 p14 What’s in store for buy-to-let p 18 p21 p24 p27 p31


p32 p 34


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