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RESIDENTIAL INVESTMENT MORTGAGE

A row of brick houses with a bike leaning against the railings

A BREAKDOWN

RESIDENTIAL INVESTMENT MORTGAGE IS A FORM OF?

A Residential Investment Mortgage in the UK is a strategic financial solution tailored for investing in residential properties. This type of mortgage is typically used by individuals or entities looking to purchase residential real estate not for personal use but as an investment – either to rent out for income or to sell for a profit. It differs from a standard residential mortgage as it considers potential rental income and investment viability. This mortgage type is a vital tool for investors in the thriving UK property market, offering a pathway to build a property portfolio and generate long-term wealth.

Inside living room with sofa and table

Residential Investment Mortgages can be used for many reasons. Below are just a few:

BUY TO LET PROPERTIES

This is an excellent option for buying residential properties to rent out, as it provides a regular source of income and the potential for long-term capital appreciation.

STUDENT ACCOMMODATION

A strategic choice for investing in properties near universities, offering high demand from the student population.

HOLIDAY LET INVESTMENTS

Suitable for buying holiday homes or short-term rental properties, catering to the lucrative holiday rental market.

PORTFOLIO EXPANSION

Enables investors to grow their property portfolio, diversifying investments across various residential properties and enhancing financial stability.

Buy to Let (BTL) Mortgages are used for purchasing or refinancing property specifically to rent it out. Unlike standard residential mortgages, it's assessed based on potential rental income rather than...

BUY TO LET (BTL)

An apartment with a rent sign outside

A House of Multiple Occupancy (HMO) Mortgage is a financial product designed for properties rented out to multiple tenants not part of a single household. These mortgages cater to...

HOUSE OF MULTIPLE OCCUPANCY (HMO)

Front room with large windows and wooden floor

A Multi-Unit Freehold Block (MUFB) Mortgage is a loan designed for investors purchasing or refinancing a property containing multiple self-contained units. It applies to...

MULTI UNIT FREEHOLD BLOCK (MUFB)

Row of apartments with metal balconies

A Serviced Accommodation Mortgage is designed for property investors engaging in short-term rentals or serviced apartments. It supports the purchase or refinancing of properties intended for...

SERVICED ACCOMMODATION

A bedroom with a large window with a pool outside

A Portfolio Mortgage is a loan that enables individuals to finance multiple properties within a single mortgage. It's designed for real estate investors or property owners managing a portfolio of residential or...

PORTFOLIO MORTGAGE

Large flats with trees and pathway

Incorporating Buy-to-Let Portfolios involves transferring individual properties within a buy-to-let portfolio into a limited company structure. Property investors use this strategy to optimise...

INCORPORATING BUY TO LET PORTFOLIO

Historic road with houses on hill

A Holiday Let Mortgage is designed for purchasing or refinancing properties rented out short-term to tourists or travellers. Unlike standard residential mortgages, it accounts for the fluctuating income from...

HOLIDAY LETS

a landscape view of the beach

Purpose-built student accommodation (PBSA) refers to specialised residential properties explicitly designed for students, typically located near universities or colleges.

PURPOSE-BUILT STUDENT ACCOMMODATION (PBSA)

New build housing
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