Buy to Let Advice

Buy To Let Advice

Buy To Let Advice - Buy-to-let advice can enable applicants to secure the right mortgage on their buy-to-let property. With a range of lenders offering different rates and packages, buy-to-let advice can help applicants to understand the market. Many buy-to-let mortgage packages include percentage fees and additional costs so it is important to seek buy-to-let advice to find the most cost effective solution overall. Obtaining a buy-to-let mortgage is often a complex process. Lenders are more risk averse and will carefully assess each applicant’s situation including the type of property, their finances and the likeliness of the property to generate rent. Buy-to- let advice can facilitate the process and save time, money and hassle.

As a specialist mortgage broker we offer buy-to-let advice to clients seeking the best rates on their buy-to-let property. Our buy-to-let advice team will assess each case individually and guide you step by step through the mortgage process from your initial enquiry to the completion of your application and beyond.

We are comprehensive panel buy to let mortgage brokers - which means we are not restricted regarding the intermediary lenders we can approach for your buy to let mortgage.

We do however appreciate we are not right for everyone and we best assist clients:

  • With non-standard/non-traditional requirements;
  • That are time pressed and need quick results; or
  • Those that just need a guiding hand through the entire mortgage process.

There are three stages to our award winning process:-

Stage 1 - Indicative Rate: Typically clients using the service, tell us they want to discuss their current situation and take us through any difficulties they may have. We can quickly give an indication as to the feasibility, undertake detailed reseach on the potential rates, confirm we can safely assist and importantly, express how we operate.

Stage 2 - Approval in Principle: This stage involves completing a 45 minute Mortgage Fact Find questionnaire over the phone or face to face with your dedicated buy to let mortgage adviser. Once complete, your adviser undertakes research across a comprehensive panel of lenders to recommend the right buy to let mortgage and insurance products for you. Detailed illustrations are provided, and your adviser will review these with you and answer any questions you may have. If you are happy with the illustration we will then obtain formal approval from the lender and/or insurance provider.

Stage 3 - Full Application: We will process your full application and liaise directly with the lenders and insurers on your behalf. We organise the buy to let mortgage valuation and deal with any issues that may arise during the mortgage application.

There is an investment needed for our service. This fee will be dependant on your circumstances, but is typically £1295 and is typically payable £495 upfront with any balance due on completion. If your mortgage application is declined on initial underwriting you will receive a refund of the upfront payment, all part of our Money Back Guarantee. Full details can be found in the Initial Disclosure Document (IDD) which your adviser will issue to you following the end of your initial call.

We pride ourselves on delivering advice which is accurate, tailored to your situation and fully compliant with FCA guidelines and best practice.

If you need any assistance why not speak to one of our Buy to Let Mortgage Advisers by calling 020 77 100 400 or Enquiry Online.

How to get in touch

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