Advice for
Buy To Let
Mortgages
When it comes to buy to let mortgages, we help you get the right one to maximise your investment
Whether you are a first time landlord, or an experienced property investor, getting the right buy to let mortgages can be crucial to the success of your investment. Our buy to let mortgage brokers have years of industry knowledge and this experience is critical to help you maintain and grow your portfolio. We also have access to exclusive mortgage rates from lenders that only deal with brokers like us.
Our buy to let mortgage advice process
Step 1: We listen
It’s important for us (and you) to take the time to get to know each other and to make sure we understand what you would like to achieve. It’s a cliche, but no two people are the same. And we want to make sure our advice and service is tailored to you.
Step 2: Our initial thoughts
After that, we’ll provide you with some details. Things like how much we think you can borrow based on rental calculations and what kind of loan to value lenders will be prepared to offer you.
Step 3: We search the whole mortgage market
We’ll then move on to search the entire mortgage market for you. In addition to negotiating you the best rate, we’ll take into account other things like lender service levels. It’s all part of having an expert on your side. We can even arrange an Agreement in Principal for you with a lender so you know exactly how much you can borrow.
Step 4: Completion
We finalise your mortgage and you continue to maximise your property investment.
Making it easy
Our mortgage advice process
Step 1: We listen
It’s important for us (and you) to take the time to get to know each other and to make sure we understand what you would like to achieve. It’s a cliche, but no two people are the same. And we want to make sure our advice and service is tailored to you.
Step 2: We provide our initial thoughts
After that, we’ll provide you with some details. Things like how much we think you can borrow and what kind of a mortgage deposit you’ll need to buy that dream home. We’ll also suggest the best type of mortgage for you, looking at fixed and variable rates.
Step 3: We search the market for you
We’ll then move on to search the market for you. In addition to finding you the best rate, we’ll take into account other things like lender service levels and affordability calculations. It’s all part of having an expert on your side. We can even arrange an Agreement in Principal for you with a lender so you know exactly how much you can borrow.
Step 4: Completion
We finalise your mortgage and you move in. Alas, we can’t guarantee the moving experience will be easy, but at least you are safe in the knowledge that you have the most appropriate finance for you.
Please note that Buy to Let mortgages are Non-Regulated products and not regulated by the Financial Conduct Authority. Therefore the protection afforded to Regulated products does not apply. If you are unsure what this means, we can tell you.
Buy to Let Mortgage
Case Study
Case Summary
Our applicant was an existing client who was looking to invest in BTL properties. They were unsure whether to purchase the BTL property in their personal name or via a Special Purpose Vehicle. Whilst we are unable to provide specific tax advice, we were able to demonstrate the advantages and disadvantages of the two types of ownership structure.
Our Solution
The applicant decided that as they were a higher rate taxpayer, they would purchase the property via a recently created Ltd company. Whilst the rates available to BTL’s held in Ltd companies tend to be higher, the tax advantages were very attractive to the client. The bank was happy to lend to a recently created Ltd company and the client is now looking to purchase more properties.
The numbers
Mortgage Calculators
Our useful mortgage calculators can help you work out the key numbers without any hard questions.
