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5 Point Financial Planning
Phone numbers for 5 Point Financial Planning Ltd

Buy to Let

Buy to let mortgages are not regulated by the Financial Conduct Authority.

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

Buy to Let Mortgages

Buy to let is no longer the hot property it used to be, and many investors who bought in recent years have struggled as mortgage rates increased.

Existing investors should now be benefitting from lower rates if they have fallen on to their lender's standard variable rate, however, new mortgage deals remain expensive and industry experts acknowledge that now is a tough time for buy to let.

However, with lower property prices, it's still tempting for those who stick to the tried and tested method of investing for rental returns rather than capital growth.

If investors are willing to see the value of their property slide in the short term and ensure their property meets the criteria of at least 75% to 80% loan-to-value and returning 125% of monthly mortgage payments, buy to let might continue to be a good long-term investment. However, it should be noted:

  • The value of a property is generally a matter of opinion and the true value may not be recognised until the property is sold. It may be difficult to sell or realise the value of the property in adverse market conditions.
  • Borrowers will still be responsible for maintaining the payment of any mortgage in the event that the property is not rented out and therefore may wish to make suitable provision for this event.
  • Legal advice and advice on tax issues may be required before purchasing a property to let.

Like any investment, buy to let comes with no guarantees, but might be more reassuring for those who have more faith in bricks and mortar than the stock market.

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Company address:
5 Point Financial Planning Ltd, Suite S4, Moulton Park Business Centre, Redhouse Road, Moulton Park, Northamptonshire, NN3 6AQ
T: 01604 497566
F: 01604 497567


Registration address as company address
Registration number: 4962087
Registered in: England

5 Point Financial Planning Ltd is an appointed representative of Intrinsic Mortgage Planning Limited which is authorised and regulated by the Financial Conduct Authority. Intrinsic Mortgage Planning Limited is entered on the FCA register ( under reference 440718.

The information and content within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Telephone: 01604 497566 |

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