Buy to let mortgages

Are you interested in securing a buy-to-let mortgage but need help determining where to begin? Worry not; you’ve arrived at the perfect destination.

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In recent years, buy-to-let mortgage lenders have significantly tightened their eligibility criteria, making their rental income calculations more rigorous. As a result, both existing and aspiring property investors seek innovative and alternative avenues to expand or commence their rental property portfolios.

Our seasoned buy-to-let mortgage advisors adopt a holistic approach to assessing your financial situation before recommending a tailored financing solution. This might involve utilizing personal income to cover any potential deficit in rental income for mortgage payments or exploring the option of purchasing through a Limited Company structure. Ultimately, as a valued client, we are dedicated to unlocking fresh and efficient opportunities for you in the buy-to-let property market.

For a comprehensive discussion about your unique circumstances and buy-to-let mortgage options, please don’t hesitate to contact our team of expert residential mortgage brokers today.

 

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What to expect

Financial Assessment

First, your advisor will examine your financial situation to determine what you need and can afford. This step is essential to determining your borrowing capacity. They’ll also advise you on the right insurance to safeguard your mortgage, such as life insurance, income protection, critical illness coverage, and building and contents insurance.

Mortgage Search

Next, your advisor will scour the market for the best mortgage deals tailored to your needs. With access to a vast range of lenders and even exclusive offers that aren’t available to the public, they’ll help you get the most value for your money.

Agreement in Principle

Once your advisor has a few options, they’ll go through them with you and, after finding the right fit, will do a credit check with the recommended lender. If all goes well, you’ll secure an Agreement in Principle, giving you a solid property search budget.

Offer Accepted

When you’re ready to proceed, your advisor will apply to the chosen lender with all the necessary paperwork. They’ll also provide you with a clear mortgage illustration, showing exactly what you’re signing up for.

Application Progression

During this phase, your advisor and their team will coordinate with the seller’s agent for the bank’s property valuation and keep you in the loop at every step. They’ll also handle any questions from the lender to ensure things stay on track.

Mortgage Offer

Once the offer is ready, your advisor will review it carefully to ensure it meets your expectations. You’ll receive a copy for your records, and a second copy will be sent to your solicitor.

Exchange of Contracts

At this stage, any insurance policies you’ve set up will go live, giving you peace of mind that everything is covered.

Completion

Congratulations! With contracts signed and everything finalized, it’s time to collect your keys and enjoy that hard-earned sense of relief—you’re officially a homeowner!

Our Experts

With The Mortgage Blog, you’ll have a dedicated team supporting you every step of the way. We’ll lift the burden, saving you time and sparing you the stress.

Our exceptional brokers will find the best mortgage deal for you, and with our wealth of experience, you’ll be holding the keys to your new home before you know it!

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