AMS


Advanced Mortgage Services Ltd is an appointed representative of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Advanced Mortgage Services is registered in England. Company registration number 4751565.

Cherry Tree House, 20 Inverleigh Road, Bournemouth, Dorset, BH6 5HA.

Advanced Mortgage Services Ltd website is only for the use by UK residents & is subject to the UK regulatory regime.


David Hindmarch

Mortgage & Insurance consultant

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Buy To Let Yield Return Calculation

Please complete the following information and I will endeavour to reply with a calculation within 48 hours.

The interest rate used for the mortgage calculation is an approximate rate based on a current Buy to Let mortgage. This is not guaranteed and will be subject to lenders own terms and conditions.

I can provide detailed information on mortgage products which would meet your specific criteria and requirements but it will require further information to be able to do this. Please confirm in the notes section below if you would like me to contact you regarding specific mortgage products or by completing the contact me form.

Estimated Property Value

Include maintenance, insurance and any other ongoing costs.

Enter 0 if not required. Maximum 85% of property Value.

Please enter any other relevant Notes.

Include Stamp Duty, Solicitors, Valuation, Refurbishment costs.

Again contact local letting agents. Normally 8%-!0% of rent.

Obtain estimates from local letting agent if not known.

The property may be repossessed if you do not keep up repayments on the mortgage.   

Buy To Let mortgages are not regulated by the FSA  


This illustration is for information only and any figures are assumed and not guaranteed.   

The Value of property and rental income can increase or decrease and allowances should be    

made for property maintenance and periods when the property is not rented. (void periods)   

Mortgage interest rates are likely to change during the term of the mortgage and this will change    

the yield returns achieved.   


Using a mortgage for an investment property is known as gearing and you could lose more than    

your initial deposit. The future property value could be higher or lower than    

indicated and the returns made in the past may have no baring on future returns.    

    

On the illustration all results are before tax. All regular payments are assumed to be level.   

Mortgage interest can be deducted against rental income for tax purposes. So it is possible    

for the entire mortgage interest to be tax deductible thus reducing the effective cost of borrowing   

by the tax rate payable. For example a gross mortgage rate of 6% pa nets down to 4.8% pa after   

20% tax relief. Expenses may also be deductible.

We advise that you discuss your own tax position with a qualified accountant.   


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