Buy to Let Mortgage

Regarding of whether you are purchasing your first rental property or adding another to your portfolio, we are ready to match you with the perfect mortgage product.

We are Buy to Let Mortgage Experts!

Buying a new rental property? We have heaps of experience in providing market leading buy to let mortgage to our clients.
Whether you are looking to purchase your first buy to let property or expanding your existing portfolio, The Mortgage Expert is ready to help.

Our experienced team have successfully completed hundreds of Buy to Let mortgage applications, utilising our relationships with the UKs leading lenders and our vast knowledge of this unique market.

The buy to let and property investment market has grown massively over the past ten years, which has seen the mortgage products and options made available to landlords widen too.

Whether you are an existing landlord or looking to become one for the first time, we can help and advise you on the products available to suit your individual circumstances. Whether it is a residential or commercial property investment, we will match you with the best product available.

Compared with a conventional residential mortgage, there are three main differences in buy to let mortgages.

Buy to let mortgages tend to have slightly higher interest rates, compared to residential rates. In some cases, your income is not even considered. Finally, you are likely to require a larger deposit, typically a minimum of 20% or 25%.

Another factor when managing a rental property is the variety of additional cost considerations to be aware of. These include property upkeep, letting agent fees, annual ground rent and service charges, legal insurance, furnishings and appliances.

When selecting a rental property, we would recommend taking advice from local letting agents to identify what types of properties are in demand and in which areas of the town/city. For example, their local knowledge will allow them to inform you if there is a University in the area and therefore if students tend to prefer a certain area.

Whilst the above could seem overwhelming, fear not. Here at The Mortgage Expert our experienced team will talk you through each stage of the process, ensuring you source the ideal mortgage and insurance products for your new rental property.

Whether you are looking to buy in your own name of a Limited Company, we are here to help you along the way.

Fully-Qualified Workforce
Trustworthy Organisation
Regular Communication
Knowledgeable Professionals
Customised Relationship
Professional Experience
I've completed three Buy to Let mortgages using The Mortgage Expert team. Each time the process has been straightforward, with great communication throughout.
Mohammed Siad Rotherham
Testimonial-BuyToLet

Now that you have found The Mortgage Experts, do not settle for anything less.

With nearly 150 years of financial services experience, from debt management to mortgages to protection, our varied industry knowledge will cater for any financial circumstance you find yourself in.

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Customer Satisfaction

Our post-completion surveys ensure we are constantly improving

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Mortgages Completed

Our experienced team have completed over 2,200 applications

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Years of Experience

There is nothing about the industry that our fully-qualified team do not know

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Lender Partnerships

From banks to niche lenders, we will find you the perfect provider

Our Mortgage Process

Our proven and methodical process will ensure we secure you the best possible deal, keeping you fully up-to-date at every stage. Here is how it works...
  • 1

    The Introduction

    We start by getting to know you, your needs and your requirements. Here we assess your incomings and outgoings, setting an agreeable budget.

  • 2

    Product Match

    Then we obtain and review your credit profile before searching the 'whole of market' to find the most suitable lender and mortgage product for your requirements.

  • 3

    Lender Agreement

    Next up we provide you with a fully protected mortgage quote and then look to obtain a mortgage in principle from the selected lender.

  • 4

    Completion Time

    Finally, we complete all of the relevant paperwork and guide you through the remainder of the process until success completion has been achieved.

Let's start your enquiry today...

Here we will capture all of the detail we require to start finding you the perfect mortgage product.
Enquire Now

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We charge a fee of £750 for the straight forward mortgage application and up to £1,495 for the more complex ones. Prior to application we will let you know when this becomes payable. Please note we do not charge any fees upfront. CCJ Mortgage Expert, IVA Mortgage Expert, Expat Mortgage Expert and The Mortgage Expert are trading styles of The Mortgage Expert Group Ltd. Registered in England 11642575. Registered office 1 Union Street, Luton, LU1 3AN. The Mortgage Expert is an Appointed Representative of Zebra Mortgages Limited which is authorised and regulated by the Financial Conduct Authority (FCA) and is entered on the Financial Services Register under reference 618018. Registered in England 70520888. Registered office 1 Union Street, Luton, LU1 3AN. It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please contact us by writing to our Customer Services Department, Zebra Mortgages Limited, 1 Union Street, Luton, LU1 3AN or by phone: 01582 450000. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.