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Buy to Let Mortgage Advice in York

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

Whether you are looking to purchase your first investment property or are a portfolio landlord, our experienced Mortgage Advisors in York have a wealth of knowledge when it comes to Buy to Let mortgages. Keeping up to date with all the latest legislation and market updates is our job and we aim to do this to the best possible standard that we’re able to. We can help with both purchases and remortgages, searching 1000s of deals to find the best Buy to Let mortgage for you with the best possible deal at the end of your mortgage process.

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

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Buy to Let Mortgages in York – Popular Situations

 

No matter what type of buy to let mortgage that you are looking to obtain, our Mortgage Advisors in York will find the perfect one to suit your circumstances, here are some of the reasons why our customers approach us for a Buy to Let Mortgage:

  • Standard Buy to Let Remortgages.
  • Capital Raising mortgages.
  • Limited Company Mortgages, also known as Specific Purpose Vehicles (SPVs).
  • HMO Mortgages i.e. a House in Multiple Occupancy.
  • Buy to Let Mortgages for Retired Landlords, Professional & Portfolio Landlords.
  • Buy to Let Mortgages for new landlords in York.

 

It will make no difference whether you have one property or a portfolio already– our Mortgage Advisors in York will do what they can to try and find the most appropriate Buy to Let mortgage in York for you.

Buy to Let Mortgages York

As your Buy to Let Mortgage Broker in York, we will prioritise helping and supporting you through the full process and be here seven days a week, anytime you need us to answer any mortgage questions on your mind. We know that Buy to Let mortgages are not always straight forward and easy, we will help you over any hurdles that you face and make sure you reach your goal of a Buy to Let Mortgage.

 

Our mortgage team at Yorkmoneyman.com know the buy to let mortgage market inside out with all the up to date knowledge available at their fingertips. When it comes to being experienced in the provision of Mortgage Advice in York regarding Buy to Let mortgages, we regularly work with landlords to find the best mortgage to suit their situation so we have plenty of experience.

 

At our Mortgage Broker in York we always keep up to date with the latest buy to let legislation and lending criteria, ensuring we are offering our clients up to date fast and friendly Mortgage Advice in York.

 

At the same time, our Mortgage Advisors in York will be by your side from beginning to end of your buy to let mortgage transaction. It is our mission to make the process as easy and straightforward as possible so that you understand everything that we do when we progress your application, from the time that you get in touch with us through to the day of your mortgage completion.

 

Check out our feedback on our Reviews page to see why so many people choose us when they’re looking for a buy to let mortgage in York.

 

As your Mortgage Advisor in York, we are here to help you. Get in touch with us today and make a date for your free mortgage consultation.

What our customers say

Common mortgage
questions

As your Mortgage Broker in York, we will start with a Fact Find. During this stage of the process, we will get a better view of your personal and financial situation which will help us when selecting a mortgage deal.

You will then have a credit check performed on you, this step is essential in order to obtain an Agreement in Principle. Once you’ve handed us all of the relevent documentation and a valutation of the property has been completed, a formal mortgage offer can be offered.

The deposit needed for a Buy to Let mortgage can vary. It could be anywhere between 20-40%. The typical amount that a lender will ask for is 25% of the property value.

Your initial mortgage consultation will take around an hour, afterwards, we will try and arrange an Agreement in Principle for you within 24-hours of your consultation. The final step is submitting your application and waiting for a formal mortgage – this can take about three weeks.

As a Mortgage Broker in York, we always recommend trying to have an Agreement in Principle in place prior to viewing properties. An Agreement in Principle could put you in a position that would let you negotiate prices.

Your free initial mortgage consultation will approximately last an hour. During the consultation, we will ask you some questions and get a bigger picture of your personal and financial mortgage situation.

After the consultation, your dedicated Mortgage Advisor in York will begin searching for mortgage products, trying to secure you one that’s more competitive than your current rate. Once we find a product for you, it’s up to you whether you want to take the offer or not. If so, we can get the ball rolling and start the mortgage application submission process.

Yes, you can obtain a second mortgage in some cases. Whether it’s for home improvements, debt consolidation, for a Buy to Let or a holiday home, you should know that our Mortgage Advisors in York can help you with this.

You may find it slighter harder to get accepted for a mortgage with previous credit problems, however, it’s not impossible! The difference is that you may be asked to put down a higher deposit than usual, perhaps 10-15% of the property purchase price.

If you manage to submit at least one year’s accounts, you are able to get a mortgage. As a Mortgage Broker in York, we see that a lot of lenders use your salary plus dividend to work out the maximum mortgage amount that you would be able to borrow. We’ve also seen some lenders go off your net profit.

Here are all of the documents that you’ll need to support your mortgage application in York

  • Photographic ID (Driving license, Passport, etc.).
  • Proof of Address (Utility bills, tax bills, credit card statements, etc.).
  • Latest 3 months’ payslips & Latest P60 (employed applicants)
  • Latest 2 years’ tax calculations and corresponding overviews (self-employed applicants)
  • 3 months’ bank statement proving the deposit being built-up with an explanation for any large credits.

Once you obtain an Agreement in Principle, it should last around 30-90 days. This will depend on the lender that you’ve used.

If your Agreement in Principle expires, you can easily renew it by contacting your Mortgage Broker in York or your lender.

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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 in York!

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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Yorkmoneyman.com & Yorkmoneyman 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.

© 2021 Yorkmoneyman

Yorkmoneyman, York Hub, Popeshead Court Offices, Peter Lane, York, YO1 8SU.

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