Buy to let mortgage - no broker fees
 Buy to let - best buys |
Our buy to let best buys are taken from over 3200 buy to let mortgages available from 47 buy to let mortgage lenders. Our own expert mortgage broker will advise you with our telephone based service - (no salesman will call). We will discuss rental income, how much you can borrow and provide a speedy paperless application service - all this and no broker fees.
Buy to let mortgages - key features
- Access to the whole market not just a limited number of lenders
- Up to 80% borrowing with no rent checks for experienced landlords.
- Full research, property survey & application service.
- Use of personal income to make up rent shortfalls
- Use of own solicitor or we can arrange solicitors for you
| Compare buy to let mortgages |
Borrow up to 90% for buy to let
Lenders will provide buy to let mortgages of up to 90% of the property's value. However choice is limited & you will find far better terms with larger deposits of say 15%. Lenders calculate how much you can borrow by checking the rent covers the mortgage payment on an interest only basis. This calculation is usually stated as "the rent must be between 100% and 130% of the mortgage payment". This varies with most buy to let mortgage lenders. Our experienced brokers can discuss these items with you before you apply to ensure the appropriate mortgage is chosen for a speedy and hassle free buy to let mortgage.
No minimum income on most mortgages.
Some lenders will consider applications with no proof of income or the need for very little or no personal income. The buy to let mortgage will be supported by the rent you receive. However leading lenders such as BM Solutions, CHL, Bristol & West do have income requirements so you may restrict your access to some leading deals. See how much you borrow with our buy to let calculator.
Student let, HMO and more
We have access to range of products designed for those investors looking for the potential of bigger returns offered by some other forms of buy to let. Student let up to 6 bedrooms per property at high street rates & HMO's for larger rent returns or even the purchase for family members to live in, for example parents in later life or your children whislt away at university.
Comparing buy to let mortgages online
Comparison websites do not take account of all factors and often provide misleading or insufficient information. Our buy to let mortgage advisors will check all mortgage criteria & then talk you through the buy to let mortgage options. This ensures you get the best quote for your circumstances and reduces the chance of a mortgage decline or a reduced loan amount. Furthermore we will provide a comparison table of buy to let research deals to validate the advice and recommendation we make to you.
| Compare Buy to let mortgages |
Buy to let mortgages & regulation
Buy to let mortgages are not regulated by the Financial Services Authority and your redress in the event of a complaint is likely to be less than for a residential mortgage. We recommend the use of our services as we are registered by the FSA and will provide the same level of service and advice for buy to lets as we do for residential mortgages. This includes providing our clients with copy of our market research, a fully illustrated quotation and a letter outlining our reason for recommendation.
Buying the right property
As with any good investment, the key is when to buy and when to sell your buy to let property. The ARLA website, designed for landlords provides a great resource to help you understand areas other than your buy to let mortgage.
Buy to let mortgage decision in minutes
Use our Buy to let online enquiry form and our qualified mortgage advisors will contact you to confirm the best terms available to you including the rental required to meet the lenders criteria. You are under NO OBLIGATION and this service is free. We can often get you a lending decision whilst we talk over the phone. Maximum lending is 90% and 100% mortgages are only available where you will reside in the property.
| Compare buy to let mortgages |
Buy to let mortgages are not regulated by the Financial Services Authority.
