Buy To Let
We’re here for when you need advice that’s as unique as you are.
Mortgages for Buy to Let
Whether you’re becoming a landlord for the first time or you’re looking to expand an existing portfolio you will need to take out a buy to let mortgage rather than a standard residential mortgage. A buy to let mortgage is specifically for people who are buying a property to rent out to a tenant or tenants.
How do buy to let mortgages differ from residential mortgages?
How do buy to let mortgages differ from residential mortgages?
Interest rates are usually higher on buy to let mortgages compared to residential.
Whereas for residential mortgages your deposit could be as little as 5% of the property value you will have to pay generally around 25% for a buy to let mortgage.
Unlike a standard mortgage, where the amount you can borrow is linked to your income, with a buy to let mortgage, the lender will instead look at how much rent you could make from the property on which the mortgage is secured.
We can help you arrange a bespoke buy to let solution that’s tailored to you.
Call our expert team today to find out more.
MOST BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY
We’re passionate about service, that’s why we’re with you every step of the way
Convenient appointments
We understand life can be a little hectic at times, that’s why we make convenient appointments to suit you.
No Obligation Advice
Our initial chat is free and there is no obligation to proceed with us if you are not entirely satisfied with the mortgages we recommend.
Mortgages To Suit You
No matter your circumstances, we are here to get the right mortgage for you.
With You All The Way
As a responsible Mortgage broker, we want your mortgage to always be a great fit for you. So when it’s time to review it, we will be here to help.
At Your Side
We handle the entire mortgage application process through to completion, liaising with your lender, solicitor and estate agent to deliver a smooth, stress-free experience.
Protecting What Matters
We provide tailored life and home insurance solutions, so you can be assured that your loved ones and possessions are protected.
Whether looking for mortgage, protection or insurance, we’re here to help
Mortgages
With access to hundreds of products, we’ll help you secure the right product tailored to your circumstances.
Protection
Family is important; get the expert advice you deserve to help protect what matters, when it matters most!
Insurance
We’ll search through a range of policies to find the one that is most suitable from our range of insurers.
Our mortgage process, and what to expect from us
Step 1 : The introduction
We start by getting to know you and your requirements. Here we assess your incomings, ongoings and setting a budget.
Step 2 : Product match
We work and source the mortgage from a comprehensive panel of lenders which is representative of the whole of the market to find the lender and product for you.
Step 2 : Lender agreement
Next up we provide you with an agreement in principle from the lender and then submit the mortgage application for you.
Step 4 : Completion time
Finally, we complete the relevant paperwork and guide you through the remainder of the process until completion.
If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances. You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.