Why get a mortgage if I have enough cash?

Property Expert:
Stephen Ludlow
Director, ludlowthompson.com
Q: I have heard that some investors always mortgage their buy to let even if they have enough cash - why is this?

Pic: Buy to let mortgage 

By borrowing you can increase you opportunities...
Stephen Ludlow, Director
Stephen's Response:

Buy to let investors often borrow most of the purchase price because all the interest you pay on your mortgage can be deducted from tax due on your rental income.

By borrowing you can increase your opportunities, perhaps using the remaining cash to fund additional property investments.

Discuss your options with a qualified financial adviser or tax specialist who will be able to consider your individual requirements.


Neither ludlowthompson nor their ‘experts’ take any responsibility for any action or loss incurred by readers of these pages. The reader acts on advice at their own risk. Answers to questions are not exhaustive. Financial advice must always be sought from a professional financial adviser.


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