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What is Consumer Buy-to-Let?

Consumer buy-to-let mortgages are designed for individuals who find themselves renting out a property without planning to become landlords.

Whether it’s due to inheriting a home or a change in personal circumstances, this mortgage offers tailored support and protections for those stepping into the rental market.

What Makes Consumer Buy-to-Let Different?

Unlike traditional buy-to-let mortgages aimed at more experienced landlords, consumer buy-to-let caters to people renting their property for the first time or under unique circumstances.

These mortgages are regulated, ensuring that borrowers are fully informed and financially assessed to ensure the product is a suitable fit.

Who Can Benefit from a Consumer Buy-to-Let Mortgage?

This type of mortgage is ideal for those who never intended to let out a property but find themselves in a position to do so.

Perhaps you’ve moved to a new home and wish to rent out your previous property or inherited a house you’re not ready to sell.

Consumer buy-to-let offers the flexibility and support needed to navigate this change confidently.

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Why Might You Need a Consumer Buy-to-Let Mortgage?

The key benefit of a consumer buy-to-let mortgage is its regulated nature, which prioritises transparency and tailored advice.

Borrowers can rely on comprehensive affordability checks and clear terms, making the process straightforward.

This product is a great option for those getting involved in property letting without committing to the complexities of professional landlord mortgages.

Ready to Take the First Step?

Understanding your options is essential when renting out a property for the first time.

A mortgage broker specialising in consumer buy-to-let can provide personalised advice, helping you find the right deal for your circumstances.

Expert mortgage advice, offered by us here UK Moneyman, ensures you make informed choices, setting you up for a smooth and successful journey into property letting.


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About the Author

Wayne Dewsbury

Mortgage Advisor at UK Moneyman Ltd.

There are unlikely to be very many advisors in the UK with Wayne’s wealth of experience. Having joined Nationwide as a Trainee Manager in 1983, he has gone on to perform a wide range of Management and Business Development roles with a number of prominent UK Building Societies and Mortgage Companies and has been a regular contributor of articles and TV/Radio comment.

He continues to advise right across the spectrum from young first time buyers, landlords and to clients in the later stages of life. Whatever the age of the client, he embodies UK Moneyman’s commitment to find the right deal for any customer’s needs and priorities.

Outside work, Wayne is a keen follower of rugby league and spends a lot of time chasing his grandchildren around!

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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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