Buy to Let mortgages.

Let us help you find your buy to let mortgage.

The Mortgage Heroes are experts within this sector, whether you are a first time landlord or have a large rental portfolio.

Every landlord needs a Mortgage Hero!

Experts in buy to let.

Helping landlords secure a mortgage on their buy to let properties.

We appreciate that the buy to let mortgage market has been reformed over the last few years, and it’s true that it can be more difficult to secure a buy to let mortgage.

No matter your situation, we can help you.

Call 01275 405 050 today or complete your details online to speak to a hero!

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Let’s get started!

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Let’s sort your mortgage!

Get in touch

Our heroes are ready, day or night. Whether you’re looking for your first mortgage or remortgaging, we can help you find a mortgage and guide you through the process. We aim to get things moving within a few hours!

Find the right mortgage

The Mortgage Heroes will research the whole market to find the right mortgage for you. We will talk you through the process and let you know what things cost, and what we’ll need. We do the legwork!

Job done. Horray!

Once we have everything in place, we will guide you through to the finish line. Following that, we will proactively look to support you in the future to ensure you have the most suitable mortgage in place.

Heroes now.

And in the future.

Our experienced team at The Mortgage Heroes are passionate about ensuring our clients get the most suitable mortgage for them, now and in the future. We will be in touch once your mortgage is coming to an end and look at the options available to you.

How did the heroes help you?

I found Simeon to be incredibly professional and helpful. He was able to help me with life insurance and was able to get me a really good deal. I would highly recommend Mortgage Heroes to friends and family, an outstanding service and the personal touch really meant a lot. Thank you

Have you seen the outcome you were hoping for?

Yes, Simeon was very helpful ensuring I had the cover which was right for me.

In the letting game…

Let us help!

The Mortgage Heroes are experts within this sector. Whether you are a first time landlord or someone with multiple properties and classed as a portfolio landlord, we can help! This includes investors looking to secure a HMO contract (house of multiple occupancy).

Frequently Asked Questions

Things you should know about buy to let mortgages.

Deposit amounts are typically higher for buy to let mortgages. The minimum deposit is usually 25% of the purchase price or house value if you are remortgaging, however there are a few options with a 20% deposit.

The interest rates on buy to let mortgages are slightly higher than that of a standard residential mortgage.

Yes, you will need an income. The amount will be depend on the lender. Typically they require an income of approximately £20,000 – 25,000 per annum, although there are certain lenders that don’t have a specific amount of income as long as you can provide evidence an income.

Yes, this is possible albeit restrictive with the amount of lenders that would help secure you a mortgage if you don’t own your own residential property.

No, this is not the case. Most investors however choose the interest only option for two main reason:

  • They can benefit from a higher rental income if the mortgage is set up on an interest only contract
  • This keeps the committed monthly mortgage payment down. This can be useful if the property is not let for a period of time or has unfortunately suffered from poor paying tenants

They don’t have to be with the right mortgage broker. The most important aspect is having your deposit ready. Knowing what the rental income is in advance of purchase would also be important, to see if the banks stress tests and rental coverages are within there lending policy.

Get in touch

We can help you find a mortgage. Contact a mortgage hero today.

01275 405 050
hero@themortgageheroes.co.uk

Heroes available 7 days a week!