Buy‑to‑Let FAQs – Property Investors FAQs

FAQs in Buy‑to‑Let FAQs – Property Investors

• Who is Capitalflow’s Buy‑to‑Let mortgage for?

  Capitalflow’s Buy‑to‑Let mortgage is for experienced landlords and property investors investing in residential rental property in Ireland.

• Do I need a broker for a Buy‑to‑Let mortgage?

  Yes. Our Buy‑to‑Let mortgages are available exclusively through approved mortgage brokers, who manage the application process on your behalf.

• Can I switch my existing Buy‑to‑Let mortgage to Capitalflow?

  Yes. We support Buy‑to‑Let refinancing and switching, including portfolio and multi‑property cases, subject to lending criteria.

• What Buy‑to‑Let properties do you finance?

  We finance residential investment properties only. Owner‑occupied and family homes are not eligible.

• What is the minimum and maximum Buy‑to‑Let loan amount?

  Buy‑to‑Let loans typically range from €100,000 to €5 million per property, subject to eligibility and exposure limits.

• What Buy‑to‑Let mortgage terms are available?
  • Capital & interest loans of up to 30 years
  • Interest‑only options may be available for a limited period, depending on the case
• What loan‑to‑value (LTV) do you offer?

  Loans are available up to 70% LTV, depending on the property and borrower profile.

• Do you offer fixed and variable Buy‑to‑Let rates?

  Yes. Capitalflow offers both fixed and variable Buy‑to‑Let rates. Full pricing is available through your broker.

• How long does a Buy‑to‑Let mortgage take to complete?

  Timelines vary, but our tech‑enabled, broker‑led process is designed to move efficiently from approval to drawdown.

• What documents are needed for a Buy‑to‑Let application?

  Requirements vary by case but usually include property details, rental information and financial documentation. Your broker will advise.