Professional Support for Landlords
Advice, Experience, & Knowledge
Financing your Buy to Let Portfolio can be the difference between profit and loss - Our vast Independent Advice, from over 4 decades of financial services experience, will give you a great opportunity for financial success
Expert Advice
With over 90 years combined experience, stretching over 4 decades, no matter what your goal is, we have the expertise and knowledge to make it happen.
Widest Choice of Deals
As Independent Mortgage Brokers, you can be assured our only objective is to find your cheapest mortgage deal, from the widest possible choice of lenders
We Are With You
We know how difficult this can feel. Our team are here to help, not only now but throughout your lifetime. We help clients from age 18 to 95.
How we Support Landlords
Initial Discussion
Understanding your plan is so important. Ideally we would love to discuss your ideas, if this is part of a larger portfolio of property, our your first Buy to Let. Your Deposit and expected Rental Income is important too.
RESEARCH
Now we understand your situation, we work hard to find the right lenders / products for your borrowing requirements. This will be based on price, criteria, property type, rental income, and which entity will be used.
Decision in Principle
Let's get this approved! - A Decision in Principle gives us a strong confirmation as to what you can borrow, and sets your property budget accordingly. Also sets a level of rental income required by the lender.
Apply
Once you have agreed a purchase price for the property you want to buy, we can look to submit a full application to the lender. A re-check of the best deals (and lender) is necessary given rates are moving frequently.
moving to offer
The lender will normally request a valuation report, checking both value and a rental income , and check your documents over. If all is okay, the mortgage is offered. We provide regular contact with you, your solicitors, & the agent.
insure and complete
Moving towards completion of the purchase, now is the time to ensure your certification is in place, and licences are applied for, and you haver the right insurance. Solicitors will request Exchange, then completion!
Buy to Let - Questions
Whether you are investing for the first time, or a seasoned Professional Landlord, finding the right Independent Mortgage Broker to assist with your Mortgage needs is essential to your prosperity.
Do you have a Wide Range of Buy to Let lenders?
Thats a really good question. As a Directly Authorised Mortgage Broker, we have no boundaries to the lenders we can use. In particular, the Buy to Let Mortgage market not only features High Street and Building Societies lenders, but we have an ever growing specialist lender team that specifically cater for those Professional Landlords, unusual properties, and those looking to renovate or develop property.
What Can I Borrow?
There are a lot of variance between lenders, hence why you need an experienced Broker firm on your side. Most lenders will use rental income, some will also use personal surplus income if rent is lower than expected. Borrowing via Limited Company may mean you can borrow more. Being either a Basic Rate or Higher Rate tax payer makes a huge difference too.
When we look at your Buy to Let opportunity, we need to check all of these key points with you, to ensure you are matched with the right lenders and type of mortgage.
I Normally Find My Own Mortgage, Why Should I Use a Broker?
Only a few lenders will allow you to work directly with them, and typically without advice. Irrespective of the type of mortgage and lender, all of our mortgages are arranged on an 'Advised' basis, so we take full responsibility for what we say. And our vast breadth of Buy to Let Lenders gives you an unparalleled opportunity to find the cheapest mortgage products for your needs.
Mortgage Calculator
How Much Is My Mortgage Each Month?
Not sure what the amount, term or mortgage rate will mean for your mortgage payments Our Mortgage Calculator will give you an accurate idea of what you will need to pay each month.
Interest Only or Repayment? - Both are available for you, to see exactly how much your payments would be.
Exact Costs will be confirmed by the Mortgage Lender, this is designed to be a guide only.
If you would like us to discuss the options available to you, please book an appointment now!
Check Stamp Duty Costs
Check how much your Stamp Duty Cost will be with our easy to use Calculator - and book a free consultation to discuss your needs at the same time..
Some types of Buy to Let mortgages are not regulated by the Financial Conduct Authority
Let Us Help You
Take a few seconds to get in touch - our Skilled Team are ready to help you, and you can see how EHF Mortgages are able to assist you.
Get In Touch
Take a few seconds to get in touch - our Skilled Team are ready to help you, and you can see how EHF Mortgages are able to assist you.