Below market value or BMV for short is a term that’s become very familiar in the last few years in the world of property sales. It’s used and recognised particularly by people involved in the buying and selling of property for investment purposes whether as direct investors, vendors or agents. The average person buying property for their main residence are less likely to come into contact with the BMV scene. Those selling their home may well get involved in it in certain circumstances especially if they’re not looking to buy another.

The people who are looking for BMV purchases are most likely to be those seeking to buy to let. Over the last two or three years buying property to let has become increasingly popular with investors. It’s easy to see why this should be so. Despite occasional dips or even slumps in the market, over a longer period of time property values have always moved upwards, sometimes very slowly and at other times alarmingly rapidly. So as a long term investment property has a lot in its favour. Investment property rented out to other people produces an income to pay for its maintenance and should produce a profit as well. Anyone wanting to do this will be looking for a BMV deal to maximise the profit.

If you’re able to lay your hands on large sums of money of your own to invest in property that’s easy but hold on a minute. Your capital’s going to be tied up for many years to come. Then again you may have plenty of income but not much available capital but you still want to invest profitably for the future.

In either case the answer’s a mortgage, after all the rented property’s going to provide enough income to cover the regular payments and the growth in value of the house or houses should more than cover the interest and still leave you with plenty of profit.

You probably won’t get an ordinary mortgage on a property that’s not going to be your home. That’s why you need a BMV mortgage. You may need to shop around a bit to find such a deal. Forget the usual High Street lenders, you need a specialist broker. Not all mortgage brokers handle this kind of business. There are a few who have the specialist knowledge in the field and you need to make sure you find one. This is going to be a big investment for you over a period of many years so you need to be absolutely confident that the broker you go to when looking at BMV mortgages is one of the experts.

In today’s complex market popping into your local branch office of a well known building society or bank is probably the worst possible way of finding any kind of mortgage if you want to get the best value for your hard earned money, and who doesn’t? One thing’s for sure you’d be hard pushed to find the deal you need by yourself. That’s true of any mortgage really. You do need a broker.

In the case of a BMV mortgage it’s the only way and it’s worth repeating that it must be a broker with the right sort of specialised knowledge and experience at his or her fingertips, unless you happen to be an expert in the field yourself which few of us are. Handled properly at the outset your BMV investment should look after you very well in the future.

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