ge borrower. Rising rates will eat into a landlords margins and rental income is not guaranteed to follow suit, so fixing can at least provide some certainty on outgoings.’The best buy-to-let mortgagesWe take a look at some of the best buy-to-let deals at the moment below, most landlord loans are interest-only, as mortgage interest can be offset against income tax on rental profits, and property investors have not typically looked to pay off their debt over time.Our calculations below are for interest-only monthly payments. Bear in mind that buy-to-let mortgage arrangement fees should be able to be offset against tax as an allowable expense. When we quizzed HMRC it confirmed that buy-to-let mortgage arrangement fees were allowable,Nike Air Max 2011 Fluorescence Green Black, but experienced landlords say this can still be a bit of a grey area, so seek the advice of a decent accountant.Bear in mind also that buy-to-let mortgages carry different requirements on rent-to-mortgage payments, age limits, and borrower's own personal earnings,Nike Air Max 2012 Black Fluorescence Green, this affects which is best for you personally. Two-year fixed ratesLeeds Building Society has a two-year fixed rate at 2.89 per cent with a ￡999 fee for a 40 per cent deposit. A 25-year ￡150,000 mortgage at this rate would cost ￡9,669 over two years. This lower fees means it actually works out cheaper than the lowest rate on the market from The Mortgage Works.The Mortgage Works has a rate of 2.49 per cent for a 40 per cent deposit, but comes with a whopping 2.5 per cent fee.That fee on a 25-year ￡150,Nike Air Max 2012 Mens,000 mortgage would cost ￡3,750, giving a total cost of ￡11,220 over two years.Alternatively, Post Office Mortgages is offering landlords with a 40 per cent deposit a rate of 2.98 per cent for two years at 2.98 per cent with a ￡1,495 fee. A 25-year ￡150,000 mortgage would cost ￡10,423 over two years when you include the fee.For a 25 per cent deposit, The Mortgage Works again boasts a low rate of 2.99 per cent but the cost of the mortgage is pushed up by a 2.5 per cent fee. The total cost of the ￡150,000 mortgage would be ￡12,Nike Air Max 2014 Mens,702 over two years,Accord offers a rate of 2.84 per cent for a 25 per cent deposit, with a 2.5 per cent fee. The same mortgage scenario would cost ￡12,270 over two years.However, the Post Office again dominates this market with a two-year fixed rate of 3.29 per cent and a ￡1,495 fee. The total cost over two years would be ￡11,369.Five-year fixed ratesLandlords with a 40 per cent deposit could get a five-year fixed rate from Post Office Mortgages at 3.98 per cent with a ￡1,495 fee. The total cost over five years would be ￡31,345 based on the ￡150,000 mortgage.Virgin Money has a slightly higher rate at 3.99 per cent with a ￡1,500 fee. The 25-year ￡150,000 mortgage would cost ￡31,425 over five years.Alternatively, for a fiver less, Santander offers a five-year fixed rate for a 40 per cent deposit at the same rate with a ￡1,495 fee.The 25-year ￡150,000 mortgage would cost ￡31,420 over five years.Hinckley & Rugby offers a five-year fixed deal for a 25 per cent deposit at 3.69 per cent through abroker. It has a 2.5 per cent fee. The total cost of the same mortgage scenario would be ￡31,425. 2599641
31 shares 57 View comments He has been pulling some late nights in the recording studio of late, so it comes as no surprise that Justin Bieber might be feeling a little on the stressed side. Working on his new album appears to have left the young singer in need of a massage after he was spotted in Miami on Monday.As he sat on his sunny hotel balcony, the 20-year-old appeared to be getting some much-needed attention to his neck and back from a swimsuit-clad female companion. Be Alright: Justin Bieber was spotted enjoying a back and shoulder massage from a mystery woman as he sat on his Miami hotel balcony on Monday The Baby singer at one point shut his eyes while the woman, who was sporting a black kaftan and matching bikini, stood closely behind him. More... He's barred! Justin Bieber 'not welcome' at the big Miami nightclubs after his DUI and drag racing arrest Are there troubles in the Swift camp?: Taylor's parents branded 'difficult to deal with' following rumoured separation Anything Kim Kardashian can do! Kelly Brook and fiance David McIntosh 'in talks to film wedding reality show' Justin had opted for a grey baseball cap, a coordinated T-Shirt and monochrome shorts for the day, before he changed to head to the studio.A spokesman for Justin has refused to comment on the identity of his friend. Feeling stressed? The 20-year-old was sporting a grey T-Shirt and matching baseball cap as he made the most of the sunshine Time out: The singer shared a number of snaps of him in the studio later in the day, while he reportedly works on his new album Justin