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Demystify mortgages at Fool.co.uk’s Mortgage Comparison Centre. Get mortgage quotes, gather facts, compare UK mortgages online and enquire with The Motley Fool Mortgage Service.

As buying to let is increasingly popular these days, many mortgage providers are now offering buy to let mortgages. If you are considering buying to let, you’ll want to consider the issues unique to a buy to let situation, like getting agents, repairs, and the intricacies of a buy to let mortgage, before you make any decisions.

With a buy to let mortgage, you pay a deposit on a house or flat and get a mortgage to fund the difference. In a buy to let situation, your deposit will be about 15% to 20% of the cost of the property, and the rent you charge should be about 130% of your mortgage payments. This should ensure you can cover the cost of mortgage payments, interest payments, letting fees, insurance and other outgoings without dipping into your own wallet. After all, a buy to let property is meant to be an investment!

To find out more information visit our Mortgages notebook page.

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At a glance: Fool.co.uk’s top mortgages

Provider
& mortgage
type ?		 APRs Max. Loan To Value ? Fees & Other
charges ?		 Enquire
Initial rate & Period ? Subsequent rate ? Overall cost for comparison ?

The Mortgage Works Fixed

The Mortgage Works
4.69% to 28/02/11 5.74% 6.1% 70% Arrangement fee:3.5%

Early repayment charge:5% until 28/02/11 		Enquire

C&G Base + 2.89%

C&G
5.89% to 31/01/12 5% 5.6% 60% Arrangement fee:2.5%

Early repayment charge:3% reducing to 2% until 31/01/12 		Enquire

The Mortgage Works Fixed

The Mortgage Works
5.64% to 29/02/12 5.74% 6.2% 70% Arrangement fee:2.5%

Early repayment charge:5% until 29/02/12 		Enquire

C&G Fixed

C&G
6.39% to 28/02/14 5% 5.9% 75% Arrangement fee:2.5%

Early repayment charge:5% reducing to 2% until 28/02/14 		Enquire

Godiva variable rate

Godiva
5.34% for term 5.34% 5.5% 65% Arrangement fee:£0

Early repayment charge:4% until 30/09/13 		Enquire
These figures are based on a loan of £120,000 on a repayment basis over 25 years.

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Who we are

Comparison Customer Services The Motley Fool Limited 2nd Floor Golden House 30 Great Pulteney Street London W1F 9LT Feedback on Fool.co.uk

Some lenders will not put the recent Base Rate increase into effect until the end of the month, so some of the rates shown here still reflect the old Base Rate.

The Motley Fool Mortgage Service is powered by Fool Financial Services Ltd, Golden House, 30 Great Pulteney Street, London, W1F 9LT. Fool Financial Services Ltd is authorised and regulated by the Financial Services Authority (FSA FRN 479153).

Fool Financial Services Ltd also works with London & Country Mortgages Ltd. The Motley Fool Mortgage Service provides you with free, whole of market mortgage advice.

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

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