Buy to Let isn't strictly a commercial mortgage, as most investors are private individuals who have created a limited company to operate the investment. Buy to let mortgages are seen by many as an alternative to a pension but the allure of the buy to let option has jaded of late as interest rates begin to turn and the market shrinks due to less demand for rental property and increased volume of new property being released.
However, the price of property in places such as London has virtually doubled in the last three years returning a phenomenal return on investment while the property market is more robust in the face of a general economic down turn.
Getting a buy to let mortgage is with an adverse credit rating is possible but expect to be charged a far larger interest rate while in addition placing a higher deposit on the property.
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