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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 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.

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

Your initial appointment will usually take around an hour or so. We can usually turn round an agreement in principle within 24 hours of you getting in touch. On average, a formal mortgage offer takes about three weeks.

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

Your free mortgage consultation in York will last round about 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.

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 in York.

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

If you have had credit problems you can still get a mortgage in York 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.

It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for self-employed in York. 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 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.

© 2020 Yorkmoneyman

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

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