When you’re diving into the world of buy to let mortgages, as professional brokerage we can guide you through the process and help you secure the most appropriate buy to let mortgage deal for your portfolio plans. We are experts in this field, armed with the knowledge and connections essential to navigating the often-complex world of property investment. We won’t just find you a mortgage; we will find you the right mortgage. We’ll assess your financial situation, your investment goals, and the property market, tailoring our search to your specific needs. You’re not just a client to us, you’re a partner.
You’re entrusting them with a major financial decision, so make sure they’re up to the task. A great broker is worth their weight in gold, and the right one is an investment in your business that can truly help your portfolio flourish. While we are not tax experts, we highly recommend seeking independent advice from a qualified accountant. We collaborate with many reputable local accountants, and if you’d like, we can assist with an introduction.
First Time Landlord
mortgages are designed for people who are buying a property to rent out for the first time. This option is perfect for new investors who don’t have experience in managing or letting properties. These mortgages often come with special benefits, like lower interest rates or smaller down payments. To qualify, you’ll typically need to present a business plan and go through a credit check to assess your financial situation.
Let to Buy Mortgages
Designed for individuals who want to rent out their current property while purchasing a new one at the same time. This is an ideal solution for those who wish to relocate without the need to sell their existing home. The key benefits include the potential for additional rental income and flexible financing options for your new purchase. Let to Buy Mortgages offer an effective way to manage multiple properties and strengthen your financial stability.
Limited Company Purchase
The Buy-to-Let market has changed significantly over the past few years, particularly in how landlords are taxed. This has led many landlords to purchase properties through a Limited Company, also known as a Special Purpose Vehicle (SPV).
At Trusted Mortgage and Financial Solutions, we have been arranging and advising on Limited Company mortgages. Our expertise ensures we can provide the guidance and support you need throughout the process.
While we are not tax experts, we highly recommend seeking independent advice from a qualified accountant. We collaborate with many reputable local accountants, and if you’d like, we can assist with an introduction.
Portfolio Landlords
As a portfolio landlord, you likely own a minimum of four rental properties, either privately or through a limited company. At Trusted Mortgage and Financial Solution, we specialize in finding the most suitable deals to meet your needs.
Many of our clients have property portfolios, and we actively manage these to ensure they always have the best deal available. You won’t need to worry about when your current product expires, we take care of everything on your behalf, and we’ve been doing so successfully for many years.
HMO Mortgages
If you own a property that you rent out to at least three tenants who are not from the same family, this is classified as a House in Multiple Occupation (HMO).
At Trusted Mortgage and Financial Solutions, we specialize in HMO mortgages and can guide you through the process with minimal hassle.
Different lenders have varying criteria, and not all of them offer HMO mortgages.
However, with access to the whole market, we can secure the most competitive rates from our network of providers. As HMO properties have become increasingly popular within the buy-to-let community, more lenders are entering the market, making it progressively more favorable for buyers.