Buy to Let Mortgages

When investing your money in property, it is so important that you choose your mortgage wisely to get the maximum return, and this is what our team of experts do best.

With the myriad of recent changes from harsher taxation, portfolio landlord rules, to tougher stress tests – the Buy to Let market has polarised enormously but we get it.  Our team of fully qualified mortgage advisors know the market inside and out and thrive on helping landlords like you get the absolute best mortgage there is.

The even better news for landlords is with the advent of ‘topslicing’ and affordability based Buy to Let lending, larger loans are more achievable than ever before for higher earners and we can make the whole process hassle-free. We want to make sure you are fully covered, so definitely advise that you also chat to a property tax advisor as well as us so you head into your investment with your eyes wide open.

If you would like to find out more about Buy to Let mortgages and how it all works, read on…

Here are just some of reasons why you should consider a Buy to Let mortgage through us for your next investment:

• Portfolio landlords with larger numbers welcome.
• Larger loans with ‘topslicing’ of personal income.
• Affordability based mortgages for larger loans.
• Joint borrower, sole proprietor, for tax efficiency.
• 85% LTV – or more with additional security.
• Mortgages for non-homeowners.
• Consumer Buy to Lets.
• Guaranteed rental schemes allowable.
• Schemes for first time landlords available.
• Get the right advice for your long term sustainability.
• Property Tax advice essential.

Here are just some of reasons why you should consider a Buy to Let mortgage through us for your next investment:

To say that Buy to Let is more complex than it was 3 years ago is one of the biggest understatements you can make in mortgage circles.

The tough tax changes brought into the market in 2017, the stamp duty surcharge and seismic changes in underwriting due to PRA regulations.  Not to mention higher notional rates of interest being used to assess affordability of buy to let loans has in the main had the effect of reduced loan sizes, unless you have sizeable personal income to counter.  Landlords like yourself can be forgiven for feeling a somewhat targeted by the exchequer.  The principals and seniors at The Buy to Let Broker have seen more changes over the last three years, than in the previous 20.

The broker market has polarised hugely and many ‘typical’ mortgage brokers are understandably turning away from buy to let in favour of simpler, less complex residential transactions.  The sentence we hear the most from our new clients?  “My normal mortgage broker doesn’t do….”

We know your time is valuable, so we just need a quick chat to get some more details about what you really need. Your dedicated mortgage broker will then scour the market using the latest software and all of our contacts to identify the right deal for you. We work with a huge range of lenders including BM Solutions, The Mortgager Lender, Barclays, Nationwide, Natwest and The Mortgage Works to name just a few

If a Buy to Let Mortgage sounds like the right thing for you, get started now and have a play with our mortgage affordability calculator. This will show you some of the latest rates available but we definitely recommend that you get in touch with our all-star team as we the love the challenge of getting you an even better deal.

To get started, you can call us on 08009499410 or simply fill in your details below and one our friendly mortgage brokers will be in touch shortly to discuss all of your options for a Buy to Let Mortgage.