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Our advisors are available Monday-Friday 9am to 8pm and Saturday 9am-3pm, giving you plenty of opportunity to seek a quick overview of what your mortgage deal could potentially look like.
You will be matched to an advisor who will answer your questions, queries and provide quality advice for your personal circumstances and the specific mortgage product suited to you.
If this is your first investment, there are a few things to consider. After all, owning a buy to let property is very different from owning your own home.
As soon as you become a landlord, you take on a number of legal responsibilities. Not to mention the new rules, regulations and taxes that have been imposed on buy to let investors in the last few years.
Don’t worry, you’re in good hands.
We’re clued up on all aspects of buy to let legislation, and we can certainly help to find the most suitable buy to let mortgage for you. With more changes likely in the future, it’s important to get the right advice now. That’s where we come in.
Here’s when should you look into applying for a buy to let mortgage.
There are a few questions to ask yourself before investing in your first buy to let property.
If you’re happy with all of the above, great. It’s time to start looking for a buy to let mortgage.
You’ll need a bigger deposit for a buy to let mortgage. The minimum deposit amount required for most buy to let mortgages is 25% of the property’s value.
This is possible, but it will depend on your circumstances. For example, if you plan to rent out your main residence and move into a rented property, some lenders might not be happy to offer you a buy to let mortgage.
However, if you plan on renting out your main residence and buying a new property to live in, lenders are usually more likely to approve your application for a buy to let mortgage. There are two ways this can work.
If you want to switch your current mortgage to a buy to let mortgage, get in touch. We can give you expert advice, and search for the most suitable buy to let mortgage for you.
Of course, we can help you get a better rate on your buy to let mortgage.
Whether you want to move away from your current lender, or you just want to see which rates are out there, we can advise you on your next steps.
We would just like to thank you for all the hard work and time you have spend over the last few months arranging us a new mortgage deal. We will save so much. We are very thankful for securing us our first mortgage and enabling us to buy our lovely family home we will be forever grateful. Thank you for all the phone calls, emails and answering any questions I had when re mortgaging, you made the process quick and easy.
Thanks, the move went well and we are now surrounded by boxes but excited about starting the next chapter of our life in the new house. Marianne and I would like to say a huge thanks to you for your help in arranging this mortgage and will be recommending you to all our friends. It really has been a lot easier having professionals like yourselves managing the process.
Just want to say a massive thank you for helping us buy our dream home, you made the whole mortgage application stress free! We got a brilliant deal, which was fully explained and we were kept informed throughout every step of the mortgage application journey. Whilst the mortgage application was being approved, they also sorted our insurance policies and completed a re-mortgage on another property.. absolutely brilliant service!
Your team have gone above and beyond to help me and my partner get our first house. I am so impressed by how helpful and understanding they have been throughout the process. I spoke with you on the off chance during my search for a mortgage and less than a week later we had an offer accepted on a house. Me and my partner were pretty clueless when it came to the mortgage process but thanks to the team we have now completed on our first perfect home.
Just thought I’d drop you a quick email to say thank you for your wonderful service and helping us out massively in purchasing our first home together in Ashton. We couldn’t have done it without you and you explained everything so well and made sure we had a good understanding. Thank you again! And if we ever need more advice expect to hear from us!!
Representative Example: If you borrow £15,000 over 10 years. Initially, on a fixed rate for 5 years at 5.10% and for the remaining 5 years on the lender’s standard variable rate of 5.05%, you would make 60 monthly payments of £184.29 and 60 monthly payments of £185.99. The total amount of credit is £17495; the total repayable would be £22,216.80 (this includes a Lender fee of £995 and a broker fee of £1,500). The overall cost for comparison is 8.8% APRC representative.
Rates between 3.4% to 29.% APRC. Repayment terms between 3 and 30 years.
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.
Think carefully before securing other debts against your home
If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.