I have 25% for a BTL deposit. What are the pros and cons of putting down more than the minimum (e.g., 30% or 35%) in terms of interest rates, fees, and overall return on investment?
Quick Answer
Increasing your BTL deposit beyond 25% can lead to lower interest rates, reduced fees, and better cash flow due to a smaller mortgage balance, thereby improving overall ROI by decreasing financing costs.
About This Topic
Weigh the pros and cons of putting down more than 25% deposit on a BTL. Steve Potter explains the impact on interest rates, fees, and ROI with UK figures.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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