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Buy to Let Mortgage Advice in Halifax

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01422 887197

We Search 1000’s of Buy to Let Deals
to Save you Money!

We are very experienced in the buy to let field and have many returning landlords. It is our job to stay up to date with the buy to let lending criteria and market/regulation changes so that we are able to recommend the most suitable buy to let product for you.

 

Whether you are looking at purchasing or remortgaging we are here to help you through every step of the way to find what’s best for you. We work closely with both new and existing landlords to help with the buy to let mortgage needs.

 

How does it work?Get a quote nowMeet your advisor

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

Mortgage Lenders 007

Buy to Let Mortgages | Popular Situations

We have been helping Buy to Let landlords for over 11 years now, we know exactly how to help you through your Buy to Let Mortgage journey. As a Buy to Let Mortgage Advisor in Halifax, we always face complex situations every single day, there is rarely a situation that we haven’t come across before. Here are some of the common situations that we come across:

 

  • Are you thinking of buying an investment property for the first time?
  • Are you looking to expand your current property portfolio?
  • Would you like to remortgage to raise capital?
  • Are you looking for to remortgage your buy to let property to a better deal?
  • Are you looking to purchase through a Ltd company / special purpose vehicle?
  • HMO Houses of Multiple Occupancy
  • Unusual or Complex situations

 

We work with a large number of mortgage lenders, including a lot of specialist lenders. Our mortgage advice team have in-depth knowledge of all their different lending criteria.

Buy to Let Mortgage Advice in Halifax

  • Free no-obligation mortgage consultation for all customers.
  • Our expert buy-to-let mortgage advisors are here 8am – 10pm to answer all of your questions. Getting through to an advisor will never be a problem.
  • We can search 1000’s of buy-to-let mortgages to find you the best deal for your circumstances.
  • We can offer face to face or over the telephone Buy to Let Mortgage Advice in Halifax.

 

 Get in touch with us today and make a date for your free mortgage consultation.

What our customers say

Common mortgage
questions

Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.

As your mortgage broker in Halifax, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

Your free mortgage consultation in Halifax will last around one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.

To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in Halifax. At the very latest you should obtain one prior to making an offer to assist your bargaining position.

An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender used. If your Agreement in Principle expires it can always be refreshed.

It may be possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.

Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.

Though it can vary between 20%-40%, the minimum deposit for a buy to let mortgage is usually 25% of the property value.

It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for Self Employed. You will also need to produce proof of ID, address and 3 months’ bank statements.

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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.

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Halifaxmoneyman.com & Halifaxmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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