Identifying your ideal rental property
Tennants - Do you want to cater for families, students who want to share, young professionals, the unemployed? This will help you decide on the type of property you purchase and where it's located, Many lenders will want to male sure that an agreement is in place with your tentants on an Assured Shorthold Tenancy.

Area - Location is important and will often determine the type of tenants you can attract. I made a mistake many years ago which could have gone horribly wrong had I not been a little lucky. It's very worth while visiting possible property locations and checking out local transport services, car parking, location of shops, schools. Local letting agents can be a great source of information, it;s in their interest to help because you may decide on using them to manage your property. I would be happy to have a chat with you about my experience with letting agents that might save you some time and trouble.

Condition of property - You might be looking for a property to improve which can be a good idea but you should be aware that some lenders may restrict how much you can borrow + there will obviously be a delay before you can start to let the property out. I have developed some of my own properties and you will need to factor in any mortgage payments during  the renovation period.

Rent and rental yield - Do your research and find out how much rent you should expect for unfurnished and furnished properties. The local press will normally have free newspapers and will give you a pretty good feel for rents. Once again, letting agents are a useful port of call with access to this vital information.

As an mortgage broker I can help you find the best and most appropriate mortgage lender and product that is right for your needs.

One last caveat - There are no guarantees on what rental yields your buy to let property will generate and no one can say whether the capital value will increase. Please feel free to contact me or my team for a friendly chat so we can start the ball rolling.

We can help and assist with these types of mortgages;

Applications with lenders In some cases we might need to apply to alternative lenders on your behalf and the cycle of admin is repeated.

Some things to bear in mind
Every mortgage lender or mortgage broker has to complete a "Fact Find" and issue a Key Features Illustration (KFI). The difference is that a mortgage broker only needs to do this once per contract.

A mortgage broker will save you a lot of time
A couple of years ago it may have taken us four or five hours of admin work to place a mortgage with a lender. Times have changed and the amount of work, chasing up and following up now represents something like double or tripple that time.

Going through us as your broker
We are qualified to provide you with advice. We prefer to deal with people over the phone as we can only advise properly once we have done a full "Fact Find" with you. We do have a simple fast quote system available, just click the following link; Buy To Let Mortgages

I have used a couple of websites to pretty good effect and suggest you try the following yourself;

First one is House Ladder who offer some good tips for landlords plus other useful links and services including mortgage broking... but hope you will give me a chance to quote for you:-)

House Ladder

Gumtree are also excellent, I use this site quite a lot when looking for new tennants.

Gumtree for finding new tennants

Our Guarantee

I remember thinking about my challenges when financing my home and buy to let portfolio. How exactly do you find out who the good guys are from the not so good?

My answer - Offer people a Guarantee that provides complete confidence. A guarantee which gives you the option of getting your money back if we let you down. A guarantee which forces us to deliver a first class service otherwise we lose money

The "Financial Services Authority" have an initiative called "Treating Customers Fairly". We like to believe we go way beyond the call of duty. We think you will like our guarantee, here are some client testimonials who have already put us to the test.

Want a fast response? - Click Here... Mortgage Enquiry Fast Response