If you’re an experienced landlord purchasing a new property, looking to remortgage an existing one or have just made the decision to become a landlord, choosing the right Buy to Let (BTL) mortgage is really important. There are many types of BTL mortgage available and finding the best one to suit your needs can be a daunting prospect.
This is where our team of experts at Vincent Burch Mortgage Services can help. With over 200 years of combined knowledge and experience as a specialist BTL mortgage broker, we know how to navigate the detail, smooth the process and find the right finance deal for your investment. And being an independent mortgage broker we can access the best BTL mortgage rates on the market, from a wide range of lenders, at the touch of a button.
We understand that every customer is different and the type of mortgage you’re searching for will depend on your individual circumstances. Sometimes you’ll need a more specialist buy to let mortgage. Here are some examples:
You’re a landlord with one or more House(s) in Multiple Occupation (HMO). Generally speaking, any property with five or more tenants, from two or more separate households with shared facilities, will require a HMO mortgage.
You’re a landlord who operates their portfolio within a limited company arrangement rather than as a private individual.
You’re looking to remortgage your current home with a Buy to Let mortgage so that you can secure a residential mortgage on a new property.
You’re a landlord purchasing a new property or converting an existing Buy to Let for the purpose of short-term holiday rental.
You’ll need one of these if you own a property you previously lived in or have inherited and you now want to rent it out. Customers like this are often referred to as ‘accidental landlords’. This type of Buy to Let mortgage gives you the same protection as a residential mortgage.
Advice that’s tailored to your own bespoke situation.
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As an independent specialist broker we can offer you a great choice of mortgages from a wide range of BTL mortgage lenders, such as Birmingham Midshires, Paragon and The Mortgage Works. This means we can quickly and easily compare the most competitive rates across the whole market. And as a fee-free mortgage broker there’ll be no hidden costs when it comes to getting you the best deal.