Ideal Buy To Let Deposits / Loan to Value (LTV)

For a Buy to Let mortgage, a higher deposit is usually required. Typically, most financial institutions require a minimum of a 25% deposit, or a 75% loan to value ratio. In some cases, a 15% deposit is acceptable, with an 85% loan to value ratio. As with most investments, the larger the investment the greater the return value, so it is usually better to provide a larger deposit when taking out a Buy to Let mortgage as it allows for a smaller loan to value ratio.

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I just wanted you to know that the experience with Charelston has been utterly professional and competent in every aspect of this transaction. The solicitor I instructed was not good at all and I would have walked away from this deal a long time ago had Andrew not consistently calmed me down and gone the extra mile to find solutions to any stumbling blocks that came up. I have been particularly impressed by his balance of never pestering but always remaining attentive and responsive when required. I was a director of a FTSE financial services firm for 12 year so know about the importance of customer service and the thing I notice most in the industry is how rare decent service actually is. Well done to you on employing, training and motivating staff of Andrew’s calibre, I would certainly use you again in the future.

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