Buy to let in the UK is an ever growing market with more and more people benefiting from the great investment opportunities offered. Buy to let mortgages allow people to generate another income as a landlord or as an investor.

Bricks and mortar offer a safe haven for Investors in the long term with the capital growth and monthly income to support any borrowing. Many clients are looking at investing into a Buy to Let property before purchasing their first residential home. Buy to Let as an Investment is here to stay with the more risk minded clients looking at Investing in properties abroad, however clients looking abroad should proceed with care, and due diligence is a must.

when their existing plan with the lender ends, to enable them to release equity to achieve the purchase of further properties.

The alternative is to consider a Commercial buy to let scheme which would normally be for residential property and we would normally consider between 10 and 20 properties in one portfolio. This would give the client the opportunity to take advantage of portfolio borrowing within a Commercial buy to let scheme which should release equity on a rising market annually to enable the purchase of further buy to let properties without having to re-mortgage each Commercial buy to let property on an individual basis.

These schemes are not widely advertised but by approaching an Independent Financial Adviser you will have access to the whole of the market and many of the schemes are exclusive and available via mortgage clubs which offer Commercial buy to let schemes at a rate that would not be available to the client on a direct basis.

The lender is looking for volume business and is prepared to offer exclusive schemes to mortgage clubs and packagers in view of the volume of business that they introduce. An Independent Financial Adviser will have access to all of the Commercial buy to lets in the market place and their experience in this sector is essential to the inexperienced investor.

An Independent Financial Adviser will also have access to the many Commercial investment property schemes that apply to Commercial properties only and require a different level of underwriting and expertise.

Building a portfolio of residential buy to let properties and or Commercial properties has become essential if you are looking to build a diversified portfolio for your investments. Lenders are far more flexible in their attitude towards clients who may require to purchase or re-mortgage 10 or 20 properties in a single transaction. Where clients have built up a number of properties over a period of years which in most circumstances they re-mortgage