Buy to Let Mortgage Advice in Derby

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Our team of knowledgeable Mortgage Advisors in Derby can provide the help and guidance you need throughout the process if you are first time landlord or an experienced property investor with a comprehensive portfolio of properties.


Our experience has given us the chance to help a plethora of landlords get a buy to mortgage. With a large panel of lenders available, our team can search through 1000’s of buy to let products to find the most suitable mortgage for you which can be beneficial when you are looking to achieve your investment purchase goals.


In the case where you are looking to purchase your buy to let property via a limited company (Special Purpose Vehicle), our mortgage advice team can use their skills and knowledge to inform you of any options available for you and your situation.


Alongside providing Mortgage Advice in Derby for standard residential buy to let mortgages in Derby, we can also provide the information and guidance you need for HMOs (House of Multiple Occupancy) and holiday lets, if required.


In the circumstance where you are looking to discuss and compare taxation benefits, you will need to reach out to an expert tax advisor, not a Mortgage Advisor in Derby.

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The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.

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

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Buy to Let Mortgage Advice in Derby

Through our time as a fast & friendly Mortgage Broker in Derby, we have encountered a large variety of buy to let scenarios in and around Derby. Below are the most common:


Remortgage a Buy to Let in Derby

If you are a landlord who already has an extensive portfolio of buy to let properties, you might looking into further investments. Landlords do have the option to remortgage one of the properties to release equity, in order to fund the deposit for another buy to let property, which is something we could help with depending on circumstances.


Limited Company Mortgage / Special Purpose Vehicles (SPVs)

We can help customers who are looking to build up their buy to let portfolio through a Limited Company or Special Purpose Vehicle (SPV). Reaching out for Mortgage Advice in Derby can be beneficial for circumstances like this as this is a specialist topic that not all lenders will accept. With the help of a specialist Mortgage Advisor in Derby, you can be able to find the most appropriate lender for your situation.


HMO Mortgage in Derby

The mortgage on a property that is occupied by five or more people is known as an HMO mortgage. You find these mortgages are popular with landlords who own student accommodation. Unfortunately, you might find that this type of buy to let product can be tricky to find because not all lenders will offer HMO deals. Speaking to a specialist Mortgage Advisor in Derby can be beneficial if you are looking at applying for an HMO mortgage for a buy to let property.


Buy to Let Mortgage in Derby

Remember, the scenarios mentioned are one we have regularly come across, so please don’t hesitate to speak to us if you feel your situation is one we can’t help you with. Our experience has allowed us to deal with a variety of situations so it’s very likely we have encountered yours before. You might be a first time buyer, first time landlord looking to invest in buy to let or have a complex mortgage situation that involves the assistance of a Mortgage Advisor in Derby. Either way, please get in touch to speak to one of our Specialist Mortgage Advisors in Derby.


Contact us to book your free Buy to Let mortgage consultation

Buy to Let Mortgages in Derby

The service we provide ensures and that all our customers are received the expert support and help they need throughout their mortgage journey.


7 days a week we are available to ensure we are available at whatever time is best for you. Our team strive to overcome the hurdles that come with buy to let mortgages with some customer journeys being more challenging than others. As a Mortgage Broker in Derby, we will be by your side every step of the way to overcome any obstacles and answer any questions you may have.


As an expert Mortgage Broker in Derby, we are fully aware and constantly updated about the buy to let mortgages criteria and have years of experience helping a lot of landlords find the best mortgage that fits their situation.


As mentioned, we always keep up to date and well informed with the latest buy to let legislation and lending criteria in order to provide the most open and honest Mortgage Advice in Derby.


We know the mortgage journey can be challenging and can have its challenges that can effect the process which is why we provide a helping hand from the start of the process until the end.


Check out our genuine customer reviews to find out why so many landlords reach out to Derbymoneyman when seeking buy to let Mortgage Advice in Derby.


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

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Common mortgage

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.

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 are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

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