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Buy to let mortgage specialists

A buy to let mortgage, also known as a BTL mortgage, is a mortgage product that allows investors to purchase an investment property to be rented out. Standard residential mortgages cannot be used to purchase property with the aim of then listing the property on the rental market. Instead, you’ll need a suitable buy to let mortgage.

To make the most of your investment and maximise rental returns, it’s important that you secure the most favourable buy to let mortgage for your exact circumstances. We help property investors secure the most advantageous buy to let mortgage deals. Speak to us now for more information by calling 0203 859 3320 or email us on contact@taylorjamesfs.co.uk.

Who is a buy to let mortgage suitable for?

A buy to let mortgage is used by prospective property buyers who plan on renting the property to tenants after making the purchase.

Some buy to let mortgages are aimed towards investors wanting to buy just one property, whereas others may be used to provide finance for multiple investment properties. The different options are best discussed with our mortgage adviser.

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Key considerations for a buy to let mortgage

To qualify for a buy to let mortgage, you’ll need to provide accurate information regarding your income and existing debts, including existing mortgages. The lender will also assess the anticipate rental income that the property will generate. This is to prove that the new buy to let mortgage repayments are affordable. 

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Key considerations for a buy to let mortgage

The deposit requirement is the primary eligibility difference between a residential mortgage and a buy to let mortgage, as you will typically need 25% of the property's purchase price as a deposit. However, some lenders will accept a 20% deposit. You will also need to prove that you can afford the buy to let mortgage should your property be vacant or if your tenants miss rental payments.
 

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Why use a buy to let mortgage adviser?

Before you decide to invest in a rental property, it’s beneficial to speak with an experienced adviser like us who can assist you in assessing the strength and risks of an investment against current market conditions.

At Taylor James Financial Services, we use our extensive industry experience to uncover potential rental yields of prospective properties and how returns can fluctuate when using different mortgage products, such as fixed-rate and variable-rate mortgages. We can clarify complex situations, which are often essential to avoid poor property investments.

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Schedule your buy to let mortgage consultation!

Whether you are an experienced investor keen to further your portfolio or refinance existing properties, or a new investor looking to create additional sources of wealth or income, we will provide you with personalised, bespoke advice and support at every step of the journey. Contact us today to arrange a meeting with Toby.

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Call us today for a no obligation chat about planning your financial future.

Call: 0203 859 3320

Email: contact@taylorjamesfs.co.uk

Please note:

  • Your property may be repossessed if you do not keep up repayments on your mortgage.
  • The Financial Conduct Authority do not regulate buy to let mortgages.
Toby from Taylor James Financial services has been relentless in getting us a mortgage for both my personal family home and BTL. He always puts customers first and will be upfront, honest and transparent in comms and potential challenges or pitfalls with the lenders. He has access to the full market and our we always get the best deal in the market. I have no hesitation in recommending Toby as a one of the best IFAs in the U.K. we have come across
Prasanna Gundi
Toby Keate was recommended to me by my Accountant and what a lucky chance that was. He swiftly gathered the facts around my enquiry as to how to move my rental property under a separate Ltd Company and quickly explained the costs involved and the ramifications of these. He weighed up the larger picture of my financial situation and his advice left me confident of what I needed to do next. He gave me clear and honest advice which has saved me making a mistake and wasting thousands of pounds unecessarily. He swiftly, politely and clearly explained my options in layman's terms I could understand and within only a few minutes! Well informed, professional, on the ball, friendly and he even followed up with the figures so I could explain to my Accountant. Excellent Customer Service and I was so impressed I offered to write this review! Thank you Toby!
Sarah Cunliffe

FAQs

What is mortgage advice?

Mortgage advice is provided by qualified financial advisers to help the client find and secure the most suitable loan to buy residential or investment property. The mortgage adviser will take into account the client’s individual circumstances to discuss mortgage options. The adviser will then search the mortgage market to identify real-time suitable options and make an application. Thus, mortgage advice usually includes mortgage brokering services to provide a holistic and convenient service from start to finish.

Are mortgage advisers worth it?

There are several benefits of using a mortgage adviser. A mortgage adviser can provide clarity to clients which should make the process of getting a mortgage more efficient and less stressful in some cases. They can also help people with unique situations find options when the client may have believed it impossible. Moreover, the mortgage adviser could ensure the client secures the most beneficial type of mortgage for their situation and preferences, perhaps avoiding costly mistakes. Some mortgage advisers can secure better rates and deals due to their connections.

Can Taylor James help people with bad credit?

Mortgage advisers can help people seeking a mortgage with bad credit in different ways. Our advisers can provide advice to clients on how to improve their credit rating and therefore improve their chances of getting accepted for a better mortgage deal. We can also search for lenders that are more willing to provide credit to applicants with a below-average credit history. Every situation is different and there are never any guarantees but we have helped people with bad credit to get a mortgage. Speak to our team to learn more.

Can Taylor James help people in unique situations?

Taylor James welcomes all clients to use our mortgage advice services, including those that may have unique situations. Whether you have multiple income streams or other complex issues regarding pay and employment, it’s unlikely that we won’t have seen your situation before. Our advisers can assist in finding the right lender swiftly, including support regarding providing evidence and other possible application process hurdles. Don’t put off seeking a mortgage due to a non-standard situation and speak to our team today.

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FAQs

What is mortgage advice?

Mortgage advice is provided by qualified financial advisers to help the client find and secure the most suitable loan to buy residential or investment property. The mortgage adviser will take into account the client’s individual circumstances to discuss mortgage options. The adviser will then search the mortgage market to identify real-time suitable options and make an application. Thus, mortgage advice usually includes mortgage brokering services to provide a holistic and convenient service from start to finish.

Are mortgage advisers worth it?

There are several benefits of using a mortgage adviser. A mortgage adviser can provide clarity to clients which should make the process of getting a mortgage more efficient and less stressful in some cases. They can also help people with unique situations find options when the client may have believed it impossible. Moreover, the mortgage adviser could ensure the client secures the most beneficial type of mortgage for their situation and preferences, perhaps avoiding costly mistakes. Some mortgage advisers can secure better rates and deals due to their connections.

Can Taylor James help people with bad credit?

Mortgage advisers can help people seeking a mortgage with bad credit in different ways. Our advisers can provide advice to clients on how to improve their credit rating and therefore improve their chances of getting accepted for a better mortgage deal. We can also search for lenders that are more willing to provide credit to applicants with a below-average credit history. Every situation is different and there are never any guarantees but we have helped people with bad credit to get a mortgage. Speak to our team to learn more.

Can Taylor James help people in unique situations?

Taylor James welcomes all clients to use our mortgage advice services, including those that may have unique situations. Whether you have multiple income streams or other complex issues regarding pay and employment, it’s unlikely that we won’t have seen your situation before. Our advisers can assist in finding the right lender swiftly, including support regarding providing evidence and other possible application process hurdles. Don’t put off seeking a mortgage due to a non-standard situation and speak to our team today.