At Rettie Financial Services, we understand the complexities and variables of the Buy to Let market in Scotland and across the UK, such as Loan to Value (LTV) metrics, rental stress tests and portfolio lending.
Rettie Financial Services can guide you at every stage of your property journey, from preparing your property search and putting you in touch with a trusted solicitor, to placing an offer on a new home.
Whether you’re looking to complete your first Buy to Let purchase or already maintain a portfolio of properties, our access to more than 12,000 mortgages from over 90 lenders means we can help you find competitive mortgage rates and deals not available on the High Street, including the lowest deposit LTV buy to let mortgages available on the market.
There is no guarantee that it will be possible to arrange continuous letting of your property, nor that rental income will be sufficient to meet the cost of your mortgage.
Arrange a mortgage consultation.
Book your free initial financial services consultation today with one of our Mortgage & Protection Advisors.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
At Rettie Financial Services we understand.
At Rettie Financial Services we understand that everybody’s property journey is unique. That’s why we’re with you every step of the way. Whatever your mortgage, insurance or other financial needs, and however complex your challenges, we have the expertise and experience to provide a tailored service that will deliver for you.
Outstanding Customer Service
Rettie Financial Services excels in speed, expertise and customer satisfaction. Our commitment to you extends beyond transactions, providing financial and emotional support throughout your journey.
Personalised Solutions
We bring a personal touch to every interaction, taking time to understand and address your unique financial requirements. No matter how intricate and complex your needs, we have the experience and know-how to identify and deliver an innovative personal solution that’s right for you.
A Proven Approach
Our highly experienced Mortgage & Protection Advisors have a proud track record in delivering a supportive, quick and hassle-free service, evidenced by a constant stream of 5 star reviews from satisfied clients.
FAQs for Buy-To-Let Mortgages
- What is a buy-to-let mortgage and is it worth it?
A buy-to-let mortgage is designed for investment properties and assessed on rental income as well as personal affordability. It can be worthwhile if you want long-term income and asset growth and our team at Rettie Financial Services can help assess potential returns.
- What areas in Scotland are considered desirable for buyers or renters?
Demand is strong across Edinburgh, Glasgow, Fife, the Borders and many popular rural and commuter areas. We can advise on the best locations for your lifestyle or investment goals.
- What is the difference between a mortgage in principle and a full mortgage offer?
A mortgage in principle is an initial indication of what a lender may allow you to borrow. A full mortgage offer is the final approval issued after full checks, ready for completion.
- What is the difference between fixed and variable rate mortgages?
A fixed-rate mortgage keeps your payments consistent for a set period, while a variable rate can change depending on lender decisions or the base rate. Our team at Rettie Financial Services can help you understand which mortgage suits your needs.
- Can I get a mortgage if I'm self-employed?
Yes, Self-employed buyers will need to provide evidence of their income, usually through tax returns or business accounts. It’s important to work with a lender who understands your unique financial situation. This is where a mortgage broker adds value to your home buying process. The team at Rettie Financial Services can help.
Mortgage Calculator
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
Tax Calculator
LBTT calculator for properties purchased in Scotland. Stamp Duty calculator for properties purchased in England.
Letting With Rettie
For Landlords, Rettie offers a bespoke service that can be tailored to your specific needs. We have exceptional customer service and provide our landlords with a dedicated portfolio manager, giving a single point of contact and bespoke support, to take the strain out of letting your property. Our unrivalled local market knowledge and effective marketing will ensure that you achieve your letting goal, maximise your returns and minimise any void periods.
For tenants we offer an unrivalled selection of property and a pro-active and friendly service to help you find the perfect property to rent.
Rettie Financial Services Ltd is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.
Rettie Financial Services Ltd. Registered Office Address: Deuchrie, Dunbar, East Lothian, United Kingdom, EH42 1TG. Registered in Scotland Number: SC711925.