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.

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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!

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

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In the letting game…

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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).

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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.

Working with high street lenders!

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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!