Buy to Let Purchase

A buy-to-let mortgage is designed to help borrowers purchase property when they expect to rent it out.  Considering purchasing a buy-to-let property? Then you’ve come to the right place.

Whether you choose a fixed or variable rate buy-to-let mortgage, there are some deals out there – all of which we compare through our ‘comprehensive market service’ and access to exclusive ‘broker only’ offers.

Finding the right deal on your own can be tricky as these deals will differ depending on each scenario. That’s where we will help!

Talk to us if; you have non-standard income, a non-standard property construction, you’re buying through a company, you’re a first time landlord, you have a low deposit, you’re adding to a portfolio

Buy to Let Remortgage

Whether you’re borrowing more money against your current property, coming to the end of a fixed rate deal, or just want a better deal remortgaging could free up much-needed funds.

Finding one of the best Buy-to-Let remortgage deals of the moment will allow you to fine-tune your finances. This could include shortening the term of repayments or freeing up equity in order to purchase an additional investment.

If you have more than one investment property, then remortgaging onto a portfolio deal will help you to consolidate your lending in one place, allowing you to take control of your finances and manage repayments at one rate.

HMO Mortgages

Houses in Multiple Occupation (HMO) mortgages are designed with shared accommodation in mind. Whether you’re looking to rent to students or young professionals, if your property has more than one tenancy agreement in place, this is the type of loan for you.

Finding a good deal on an HMO mortgage can be tricky. With multiple potential tenancy agreements, different methods of valuation, and typically larger and more expensive properties, it’s essential to find a mortgage advisor to find you the best deal possible. 

Whatever your situation, whether you need a loan to buy a four-storey property or whether you’d like to release equity from an existing investment; we’ll find the right HMO mortgage for you. 

Portfolio Mortgages

Portfolio mortgages allow you to lend against your entire portfolio and help to make managing repayments easy.

‘Property Portfolio’ is a term used to describe a collection of investment properties owned by an individual, group or company. This could include residential properties such as flats or houses, as well as commercial property such as retail units or offices.

Owners of property portfolios are generally professional property developers or investors who use their portfolio as a main or supplementary form of income.  The number of properties you own will greatly influence the type of finance you require.  Portfolio mortgages are usually requested once a property owner has four or more properties.

Portfolio lenders will not only require borrowers to own a set number of properties before accepting an application, but also own a number of properties worth a minimum total amount.

Typically, portfolio lenders will look at applications which involve properties with a combined value of between £500,000 and £10 million. If your property portfolio is worth more or less than this, make sure to include this on application

Holiday Let Mortgages

Holiday let mortgages are designed for purchasing holiday homes here in the UK.

Being in the lucky position to purchase a holiday home is great, but what if this new pad could also make you some cash?

If you’re looking for a mortgage for a holiday home, you may like to consider renting it out when you’re not using it.  There are conditions that need to be met, but holiday lets don’t have the same tax implications as standard Buy to Let investments. 

Holiday home mortgage lenders are likely to look more favourably on your application if you’ll have additional income to cover the repayments fees.  Only a small number of lenders allow a holiday let, so talk to one of our team who specialises in this type of mortgage. 

Buy to Let Purchase

A buy-to-let mortgage is designed to help borrowers purchase property when they expect to rent it out.  Considering purchasing a buy-to-let property? Then you’ve come to the right place.

Whether you choose a fixed or variable rate buy-to-let mortgage, there are some deals out there – all of which we compare through our ‘comprehensive market service’ and access to exclusive ‘broker only’ offers.

Finding the right deal on your own can be tricky as these deals will differ depending on each scenario. That’s where we will help!

Talk to us if; you have non-standard income, a non-standard property construction, you’re buying through a company, you’re a first time landlord, you have a low deposit, you’re adding to a portfolio

HMO Mortgages

Houses in Multiple Occupation (HMO) mortgages are designed with shared accommodation in mind. Whether you’re looking to rent to students or young professionals, if your property has more than one tenancy agreement in place, this is the type of loan for you.

Finding a good deal on an HMO mortgage can be tricky. With multiple potential tenancy agreements, different methods of valuation, and typically larger and more expensive properties, it’s essential to find a mortgage advisor to find you the best deal possible. 

Whatever your situation, whether you need a loan to buy a four-storey property or whether you’d like to release equity from an existing investment; we’ll find the right HMO mortgage for you. 

Holiday Let Mortgages

Holiday let mortgages are designed for purchasing holiday homes here in the UK.

Being in the lucky position to purchase a holiday home is great, but what if this new pad could also make you some cash?

If you’re looking for a mortgage for a holiday home, you may like to consider renting it out when you’re not using it.  There are conditions that need to be met, but holiday lets don’t have the same tax implications as standard Buy to Let investments. 

Holiday home mortgage lenders are likely to look more favourably on your application if you’ll have additional income to cover the repayments fees.  Only a small number of lenders allow a holiday let, so talk to one of our team who specialises in this type of mortgage.