Garner & Hancock, Property Law

Buy to Let

Our Solicitors specialise in buy to let mortgage transactions.

Buy To Let Lenders Panels

Our conveyancing department is on the Buy to Let lender’s panels which remove the additional costs of having a separate solicitor act for the lending institution.

Buy to let lenders are not often considered mainstream providers, and specialist knowledge is needed to meet their requirements. We are members of most Panels which undertake Buy to Let mortgages.

What services do we offer?

  • Buy to let investment purchases tailored to the property investor, whether first time or professional and seasoned investors. We have acted for large development companies and individuals going into the buy to let property investment for the first time.
  • Auction sales and purchases
  • Buy to let mortgages and remortgages
  • Advice on buy to let property ownership involving more than one person and declarations of trust
  • Equity release, including reversion schemes
  • Tenancy agreements

Why go to Garner & Hancock?

Our specialist conveyancers are on a number of buy to let lenders’ panels, which means we can deliver a faster and more cost efficient service.

We are a members of the Conveyancing Association, we follow the code of practice of the

Association of International Property Professionals. In addition, we are CQS accredited and soon to be Lexcel accredited.

How much does it cost?

Our fees are competitively priced and the cost is no more than that of ordinary conveyancing. Discounts are available for repeat business.

Other services on our website that may be of interest include:

  • Residential letting and management of buy to let properties
  • Wealth management. We have a close connection to professionals who can help with looking at your whole portfolio
  • Wills
  • Commercial property
  • Foreign property
  • Tax – Stamp Duty, CGT and Inheritance Tax
  • Tax Avoidance schemes and the merits of such schemes
  • Non-Dom Status and buying investment propertie

What is the current tax position?

As of April 2017 mortgage interest relief has been gradually reduced from 45% to the basic rate of tax for second homeowners, along with buy to let landlords.

However, this change does not affect limited companies, which can still offset 100% of their mortgage payments. Furthermore, no income tax is payable on retained profit, meaning more money is available to reinvest. Although corporation tax is payable, this is still lower than the higher rate of income tax payable by an individual. It currently sits at 19%, and will be reducing to 18% in 2018, and 17% in 2019.

We can give you quick free advice just complete the form below or call us on the number above

Our Guarantee

Our Fees are Fully Inclusive

  • No extra sum to pay off a current mortgage;
  • No fees for dealing with your new mortgage;
  • No disbursement fees which are not paid out
  • No "petty sneaky incidentals" added to the bill
  • No extra fee for professional indemnity;

No Hidden Charges

  • No faxes, postage and internet charges
  • No charge for receiving money
  • No charges for enquiries from the Land Registry
  • No photocopying charges
  • No charges for holding the file

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How can we help?

If you would like some help or advice, then please feel free drop us a note using the form below and we can book you a call with a solicitor.


One Person deal with. You will know the individual solicitor dealing with your matter so that you do you won't speak to someone different every time you call.

Genuine Solicitor

You can be sure it is a solicitor dealing with your matter from the outset – not an unqualified person “supervised” by a solicitor.

Meet in Person

...when you need to. Being able to meet and discuss matters face to face can be very beneficial, especially when difficulties arise or matters need to progress rapidly.

Highly Knowledgeable

We are a firm with a depth of expertise. You may need assistance in future on a range of related issues, so why not establish a relationship with a firm that can advise on more than just your house move.

No Referral Fees for Anyone

Some estate agents recommend a conveyancing firm because of “referral” payments they might receive. We get a lot of our business from family or friends recommending us, and our policy is not to pay referral fees.

Property Advice

Tenancy Deposit Schemes – What you need to know

I am a litigation paralegal at Garner and Hancock LLP and specialise in residential possession cases.


Garner & Hancock awarded the excellence mark in Conveyancing

“CQS improves efficiency with common, consistent standards and service levels and enables consumers to recognise practices that provide a quality residential conveyancing service.