Buy to Let

Buy To Let Mortgage Advisors

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Buy to let, let to buy, houses of multiple occupancy, company buy to lets.

The Buy to let market is assessed differently to those moving into their own home to live. Although lenders are generally more concerned with the property and its rental potential they will still want to check your credit history and potentially your income too. Whatever the lenders' criteria, we are here to help. As buy to let mortgage advisors we can guide you through advising on which products and lenders best suit your investments.

We have access to the whole of the market and have exclusive deals not available to you directly. Working alongside estate agents in Milton Keynes, Bedford and Cambridge we have an excellent grasp of the rental incomes being achieved in these areas. Our experience in this sector sees our clients come back to us time and time again for both new purchase and re-mortgage discussions.

Please see websites below:

Letting agent in this area: Elevation, letting fees

www.elevationlettings.co.uk

Stamp duty costs for buy to let property

www.stampdutycalculator.org.uk

Please speak to Simon Davies at Rapture accountancy about setting up company buy to lets

www.raptureaccounts.co.uk/

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Flat lay of real estate concept

Buy to Let Mortgage with Bad Credit?

All of our brokers deal with the whole of the mortgage market. It doesn’t matter what the question or when you want to speak to us, we have brokers available on the phone or face to face seven days a week. Whether you are just thinking of buying a home and have no idea where to start, a seasoned investor or someone looking to better your current mortgage product, we are happy to help andchat over ideas free of charge.

So we can give you plain and simple advice we will run through some basic questions to help us tailor products to suit your needs. Upon us taking your application forward we will write to inform you that we have given you advice and give you a Key Facts Illustration breaking down the important elements of the product and the fees involved.

For us to take your application forward to a lender we charge an upfront administration fee of £495. For our returning customers looking to renew their mortgage product this fee reduces to £250. We also receive commission from the lender.

Our fee is payable on mortgage application. We charge up to 1% but our typical fee is £495 for all new residential applications, £645 for loan sizes of £50,000 or lower, and £695.00 for limited company buy to lets. However, with our existing customers our fee is reduced to £250 for a Remortgage or if we end up doing a product transfer we do not charge. Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. For commercial mortgages, our fees are subject to the nature of the finance and structure of the loan, with a minimum fee of £1000. Other fees may apply. We will receive commission from the lender in addition to the fees you pay. As with all insurance policies, conditions and exclusions will apply.

Covering Milton Keynes.

Registered Office: Mortgage Light Ltd, 15 High Street, Brackley, England, NN13 7DH. Registered Company Number: 8184773. Registered in England & Wales.