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Buy to Let Mortgage Advice in Derby

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We Search 1000’s of Buy to Let Deals
to Save you Money!

As a Buy to Let landlord, trying to find the best mortgage deal can be challenging. Whether you’re buying your first Buy to Let property, looking to redevelop your current property or even refinance to capital raise and/or expand your portfolio – our Mortgage Advisors in Derby can help you.

 

At our Mortgage Broker in Derby we have strong relationships with a wider range of specialist buy to let mortgage lenders than most, including those who don’t have a high street presence.

 

Whether it’s a Personal or limited Company Buy to Let, we’re happy to help you with both. With ever-changing tax changes, it is often more tax-efficient for landlords to operate under a limited company.  However, it’s important that you seek advice from your Accountant as to your individual situation.

 

Buy to Let is now specialist lending but despite this, we have dedicated Buy to Let Mortgage Advisors in Derby at hand to help you along with the mortgage process.

 

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

Buy to Let Mortgage Advice in Derby

Our Mortgage Advisors in Derby have years of experience when it comes to Buy to Let mortgages, below we have listed some of the most popular scenarios we come across:

  • Buy to Let remortgage options & deals.
  • Capital raising advice.
  • Limited Company Mortgages, aka Specific Purpose Vehicles (SPVs).
  • HMO Mortgages, a House in Multiple Occupation.
  • Buy to Let Mortgage options for Retired Landlords.
  • Specialist Mortgage Advice in Birmingham for Professional & Portfolio Landlords.
  • and many more…

Contact us to book your free Buy to Let mortgage consultation

Buy to Let Mortgages Derby

As your Buy to Let Mortgage Broker in Derby, we will help and support you through the full process and be here seven days a week, anytime you need us. We know that Buy to Let mortgages are not always straight forward and easy, we will help you over any hurdles that you face.

 

We will always be open and honest with our Mortgage Advice in Derby. Our free Buy to Let mortgage consultations are available daytime, evening or weekends. You will receive high-quality service that we very much strive for here at Derbymoneyman.

 

Your happiness with the service you receive is very important to all the team, we really do love what we do, and this shines through in our genuine customer reviews.

 

Contact us today to book your free Buy to Let mortgage consultation.

What our customers say

Common mortgage
questions

The minimum deposit for a buy to let mortgage is usually 25% of the property value. However, this can vary between 20%-40%.

Your free mortgage consultation in Derby will last approximately one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to go ahead.

As your mortgage broker in Derby, we carry out a Fact Find to establish your needs prior to recommending the most suitable mortgage for you. A credit check is then required for an Agreement in Principle and then once you have provided all the relevant documentation and a valuation of the property has been carried out a formal mortgage offer can be issued

We recommend you obtain an Agreement in Principle before you start viewing properties in Derby, to avoid disappointment. At the very latest you should obtain one prior to making an offer to assist your bargaining position

An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender. If your Agreement in Principle expires it can always be refreshed.

It can be possible to get a second mortgage on your home for debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if it is for your own use, the use of a family member, a holiday home or a Buy to Let.

If you have had credit problems you can still get a mortgage but you may need to put down a higher deposit than usual, perhaps 15% of the purchase price.

You can get a mortgage once you have submitted at least one year’s accounts. Most Lenders use your salary + dividend to calculate the maximum mortgage whereas others go off your net profit.

To prove income it’s usually three payslips for an employee and the latest 2 years’ accounts for self-employed. In addition you will need to produce proof of ID, address and 3 months’ bank statements.

Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours and a formal mortgage offer takes about three weeks on average.

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We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

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Derbymoneyman.com & Derbymoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2020 Derbymoneyman

Derbymoneyman – 19 St Christophers Way, Pride Park, Derby, DE24 8JY.

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