Our Services

BUY TO LET

BUY TO LET

Buy to let mortgages are designed for investors and landlords who do not intend on living in the property.

As the property is for profit, additional risks are inherited when compared to a mortgage for home movers. The property may not increase in value, or the monthly income could be interrupted if it is to be rented out. Also, the minimum deposit is usually higher than a moving home mortgage (typically 20-30% of property value). There may also be other costs that need to be taken into consideration such as maintenance, letting agent fees, insurance etc.

We will help you understand what deposit you will need, as well as what your expected rental income might be. We will also guide you through the rest of the process and make you aware of the many different aspects you need to consider when buying a property that you intend to let.

Limited Company Buy-to Let

A buy-to-let mortgage for limited companies is a way to take out a mortgage on property in a limited companies name.

There are many benefits to this instead of using your own name such as being more tax-efficient.

We will help you understand what deposit you will need, as well as what your expected rental income might be. We will also guide you through the rest of the process and make you aware of the many different aspects you need to consider when buying a property that you intend to let.

* We’re unable to provide tax advice. We would always suggest you seek independent advice

*The Financial Conduct Authority does not regulate some forms of Buy to Let mortgages

*Your property may be repossessed if you do not keep up repayments on your mortgage.

We’re unable to provide tax advice. We would always suggest you seek independent advice The Financial Conduct Authority does not regulate some forms of Buy to Let mortgages

Our Services.

MORTGAGES

If you are looking to buy a home, then we can review your options.

INSURANCE

We can provide you with advice on all types of insurance.

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Clear, simple advice that is suitable for you & your circumstances.

Lauren JonesLauren Jones
08:56 03 May 23
We have used Lucie to help us with our mortgage on 3 properties now...and she is wonderful! We wouldn't ever want to... use anyone else and we would recommend to anyone.She is incredible knowledgeable and goes above and beyond to make sure were getting the best possible options.Thankyou again Lucie!xxread more
leo nepomucenoleo nepomuceno
10:26 02 May 23
Thank you is not enough to describe how grateful we are to Lucie Hart for helping us to get our mortgage in our first... home. You’ve been so nice and very helpful through the entire process. CFS is highly recommended.read more
Tomasz NikielTomasz Nikiel
19:31 15 Mar 23
Peter and Ian have helped arranging mortgages for me for many years. I cannot recommend their services enough. They are... always there to answer all questions as soon as possible, professional and friendly, ready to help in any situation no matter how complex. I always receive sound advice and best product possible. Arranging a mortgage with CFS is quick and stress free, they are absolutely brilliant!Thank you!read more
Katie TaylorKatie Taylor
20:30 01 Mar 23
I cannot recommend Central Financial Services enough. Peter and Ian have advised my husband and I on our finances for... over 8 years and they never let us down. Ian is very efficient and highly experienced too. Peter is professional and personable. I have previously recommended Central Financial Services to family, as well as friends, who have all had the exact same, seamless, efficient and excellent service and results.read more
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