With most pension planning affected negatively by the under performing equity based markets (stock exchange) and general savings rates low, many people are turning to property as a viable form of investment, whether residential or commercial. Commercial property can be held in a tax efficient, pension/retirement environment and this option is also expected to be available to residential properties soon. 

The main types are;

Buy to Let
You buy a property and let it out. The maximum borrowing level is generally 85% of the purchase price/valuation. The rental income must generally cover the mortgage plus a lender related calculation, which varies from lender to lender. Interest only is allowed on most schemes.

Let to Buy
You let out your existing main residence and buy a new home for yourself. Similar rental calculations apply as with But to Let. You may also raise capital against your existing property to provide a deposit for the new purchase.

Portfolios
Some individuals &/or company's own two or more properties (some up to 100) within a portfolio. You may wish to remortgage or capital raise against the combined assets to purchase more property or purely to obtain a better rate and terms.