Buy-to-let mortgage advice for experienced and aspiring landlords
Purchasing a buy-to-let property could be very profitable, but understanding your choices is important. You may need to purchase the property as a limited company rather than in an individual name. Before making any costly mistakes, getting full financial advice is imperative. Our experts can help you navigate strict exposure and lending limits in the buy-to-let market, allowing you to make an investment that offers a regular income.
The choices you have when selecting a mortgage are complicated, and making the wrong choice could be costly. Our specialists will recommend appropriate solutions from across the whole of the market having access to thousands of rates.
Wherever you are in your property financing journey, we have the options and advice that can make a difference.
NFP can help you:
- Establish the type of investor you wish to be, what market you want to buy into
- Calculate your borrowing based on rental income from the potential property
- Arrange an Agreement in Principle (AiP)
- Review your protection needs
- Consider other costs such as arrangement fees, letting agent fees, gas safety certificates, energy assessments and rental voids
- Find the perfect buy to let property
- Finalise your mortgage arrangements
- With your survey needs
- With solicitor / Conveyancer
- With support from start to finish
The three things you need to take into consideration when exploring your buy-to-let options
From choosing a property and a mortgage, to understanding your tax liabilities and legal responsibilities to tenants.
Finding you the right mortgage
With such a large selection of products available in the market, we can advise you on the most suitable lender to fit your specific requirements.
We work with mortgage lenders near and far, acting on your behalf and offering impartial advice on which mortgage is best for you, based on your circumstances. Then we package and present your application to your recommended lender. We stay on hand to assist you with any issues you may have, legal, valuation or otherwise, until you’ve fully completed your mortgage process.
Not being tied to any mortgage lender, we can ensure the right fit is found after completing a comprehensive assessment on you.
Protecting you and your family
Buying a property is a major financial commitment. Having suitable cover to protect you against the unknown could mean the difference between keeping your home or losing it.
We believe that it is vital to underpin the foundations of your mortgage by making sure that you have adequate protection in place. We are here to help you arrange income protection, life insurance and critical illness cover in order to give you peace of mind if you become ill and unable to work long-term. Or if the worst should happen, you can be sure that you and your family are fully covered.
Personal relationships
Buying a property can be deeply exciting - and stressful. Because of the emotional aspect of the transaction, choosing the right mortgage and level of protection can be difficult to do on your own. With the right partner, you can be prepared for whatever the process may throw your way.
Working with NFP gives you reliable information from an advisor you can trust. Someone who can give you simple yet clear advice. Someone who saves you time, adds value to the whole process and offers a friendly voice for those times when you just want to hear an expert tell you that you are doing the right thing.
We recognise that everyone is different, so our approach will always be specific to you, making sure that our recommendations are suitable to your personal needs whilst giving you the benefit of our knowledge and experience.