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There are constant changes in the buy to let mortgage market and it has exploded since the first mortgages under the buy to let badge in the 1990s. The advent of buy to let mortgages meant that people could borrow money for property investment at rates that were much less than the commercial rate. The buy to let mortgage market has also changed in terms of the number of lenders. It started with just six offering buy to let mortgages – now there are dozens of lenders and deals. Loan to values and expected rental cover have changed a lot within the last ten years too.

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