Buy to let mortgages

Considering buying a property to rent out? Looking to expand your portfolio of properties? Buying a commercial property for your own occupation? Looking for an alternative to traditional pension planning for retirement? Looking for expert advice on all aspects of investment property?

We can help!

Talk to us for:

Invaluable advice and expertise on building your portfolio. See our testimonials page for examples of the impressive portfolios we have helped our own clients establish.

Finance experience going back to 1979. We know how to present applications to lenders to give you the highest possible chance of success

Personal service tailored to your needs

Exceptional products sourced from every available scheme on the market. We have access to many deals not generally available and constantly upgrade and improve our contacts and awareness of the market to ensure we bring the best products to our clients. Contact us for more details. The biggest challenge in the market currently is the rental calculation used by lenders to assess the amount they will lend you. We have access to the best calculations in the market - we even have deals where rental income is not even taken into account!

A real understanding of your needs. Our service is so much more than obtaining excellent products. We will spend time understanding your goals, advising on strategy and, if you wish, assessing potential properties on your behalf. We will work with you to help you create your portfolio, whether this be one property or one hundred. We have a number of clients for whom we have helped to create portfolios with equity of more than seven figures. We can even source and manage properties on your behalf if you prefer to delegate this to us. See our sister company Edison Ford Estate Agents and Property Management

Fully managed property investment with a guaranteed return and no running costs. See our Property Investment page

Our managing director is actively involved in 'buy to let' and commercial property and has worked as a commercial lending underwriter and finance company manager. Edison Ford's own consultants are also actively involved with their own property portfolios and are therefore able to speak to you from personal experience as landlords and developers. Edison Ford also provides speakers and tuition at seminars covering every aspect of the investment property market.

Conveyancing at low cost. Click on our conveyancing page to obtain your personal quotation.

For more details, please fill out the enquiries form.

Mortgage Regulation does not apply to 'buy to let' or commercial mortgages. However, we adhere to the same core principles none the less

Landlord News:

Energy Performance Certificates are now compulsory when a new tenancy is signed and the property does not already have a certificate. In the Bath/Bristol area, Edison Ford recommends the Energy Efficiency Company Bath, Energy Assessors who can provide the necessary certificate at a competitive price. If you are elsewhere in the country you can find your nearest Energy Assessor by clicking here.

Owners of HMOs need to prove they have some professional experience and or qualifications in order for some local authorities to grant them a certificate. If you feel like training yourself to become a better landlord, go to www.landlorddevelopment.org.uk

Local Housing Allowance was introduced on 7 April 2008. Any new tenancies from that date onwards where the tenant is eligible to claim benefit will fall under the new system. The biggest change for landlords is that benefit is payable to the tenant, not the landlord. The method of calculating benefit also changed significantly. In some areas the level of payment has increased, the system is based on an averaging of rents throughout an area. The county of BANES appears to have seen an increase due to the high rents found in Bath. For example a person renting a one bed flat may now claim £595 per month. More details can be found by clicking here: http://www.dwp.gov.uk/housingbenefit/lha/

Tenancy Deposit Protection Schemes were introduced on 6th April 2007. If you are a landlord and take deposits from your tenants (wise) you are affected. The penalties for not complying are harsh, so you need to be aware. There are two types of scheme: a single custodial scheme (where deposits are paid into and held in a separate account managed by the scheme); and two insurance-based schemes where the landlord or agent holds the deposit and any failure on his/her part to repay it to the tenant is covered by the scheme's insurance arrangements.

Statutory tenancy deposit schemes apply to all ASTs (assured short hold tenancies), where a deposit has been taken after April 6 2007, in England and Wales. They do not apply in Scotland or Northern Ireland.

The custodial scheme run by The Deposit Protection Service (The DPS) is free to use for tenants and landlords. The scheme is funded by the surplus from interest generated on the pool of deposits, with interest also being paid to the tenants. If a dispute arises between the landlord and the tenant at the end of the tenancy the scheme will hold the amount until the dispute resolution service or courts decide what is fair.

The insurance-based schemes are funded through a fee paid by landlords or agents . The service is free to tenants, though most landlords pass on the cost. See www.mydeposits.co.uk or www.thedisputeservice.co.uk for full details.

All three schemes offer alternative dispute resolution services which are free to use (for both landlord and tenant).

Much more information is available on http://www.communities.gov.uk/news/corporate/499826

Do you know the rules governing Houses in Multiple Occupation (HMOs)? Click here for more details.

For more information about any aspect of 'buy to let', please fill out the enquiries form.

Mortgage Regulation does not apply to 'buy to let' or commercial mortgages. However, we adhere to the same core principles none the less.

Click here to go to the other companies in the Edison Ford group

Copyright � 2005 Edison Ford Independent Financial Advisers. All rights reserved.
Edison Ford Independent Financial Advisers is a trading name of Edison Associates Limited which is authorised and regulated by the Financial Services Authority.
The advice and/or guidance contained within this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK. Written quotations available on request.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The information contained in this web site is for general information only.
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