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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:

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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 required by an applicant for a buy to let mortgage is usually 25% of the property value. This number, however, can vary from anywhere between 20%-40%.

Your initial free mortgage consultation in Derby will last for roughly about one hour. An advisor will then recommend a mortgage for you, that you are under no obligation to accept and proceed with, if you decide it’s not for you.

As a dedicated and trusted mortgage broker in Derby, we will carry out a Fact Find to establish your circumstances & needs prior to recommending the most suitable mortgage for you. A credit check will then be required for an Agreement in Principle. 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 to you.

We would highly recommend you obtain an Agreement in Principle prior to property viewings in Derby, to avoid possible disappointment, especially as this can boost your bargaining position pre-making an offer and can be obtained with the help of one of our mortgage advisors in Derby, free of charge.

A standard Agreement in Principle generally lasts for between 30 and 90 days depending on which lender you are with. If your Agreement in Principle happens to expire, it can easily be refreshed.

If you’re looking to make any potential home improvements or consolidate any debt, then it can be possible to get a second mortgage on your home. Second Mortgages are also usable for if you are wanting to take out a mortgage for a family member, a holiday home or a Buy to Let.

If you have had credit problems, it could still be possible for you to get a mortgage, however, you may need to put down a higher deposit than usual. This could be 15% of the purchase price.

You may still be able to get a mortgage once you have submitted at least one year’s accounts. Typically we find that, for the most part, lenders will use your salary + dividend to calculate the maximum mortgage. Alternatively, some may go off your net profit.

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

Your free initial mortgage consultation will typically last up to an hour. Our team have the ability to obtain an agreement in principle within 24 hours. A formal mortgage offer will take 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.

Handy quick links

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.

© 2021 Derbymoneyman

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

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