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Buy to Let Mortgage Advice in Essex

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7 days a week, 8am - 10pm

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Buy to Let Mortgage Advice in Essex

Maximise your investment with tailored mortgage advice in Essex and start your landlord journey with us!

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Are you a budding or existing landlord looking for a buy to let mortgage in Essex?

If you are currently looking to seek expert mortgage advice in Essex regarding a Buy to Let in Essex, then look no further. Our team of expert Mortgage Advisors in Essex are here to provide support, whether you want to start out as a landlord or already are a landlord. We have a great deal of industry knowledge when it comes to Buy to Let in Essex.

As a mortgage broker in Essex that prides itself on working hard to help Buy to Let landlords with their mortgages, we have been able to help the landlords we speak to in securing great mortgage deals. Our trusted team will be able to search through 1000s of Buy to Let mortgage products, in order to find the most suitable deal or your circumstances.

You may also have the option of purchasing your Buy to Let property through a limited company (this is referred to as a Special Purpose Vehicle, or SPV for short). If this is the case, our team of experienced mortgage advisors in Essex have a great deal of knowledge in this area too, so will be able to discuss this further with you.

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Buy to Let Mortgage Advice in Essex

We build relationships with landlords when they get in touch for a buy to let mortgage in Essex.

If you are looking to compare the benefits regarding taxation, it is recommended that you get in touch with an experienced tax advisor as they will be more appropriate to accurately advise on this area.

Though we typically help more so when it comes to residential Buy to Let in Essex, we actually have the ability to help with HMOs (House of Multiple Occupancy), as well as Holiday Lets too. If you require any help with a HMO, Holiday Let or a residential Buy to Let, feel free to get in touch with our expert mortgage advisors in Essex, and benefit from a free mortgage appointment today.

Why use a buy to let mortgage broker in Essex?

As a experienced mortgage broker in Essex we specialise in providing expert advice on buy to let mortgages in Essex. We will work closely with you to understand your unique circumstances and help identify the best available options for your specific needs.

With our extensive experience working alongside numerous buy to let landlords in Essex – both new and existing – we are well-equipped to guide you through every step of the process and provide valuable support throughout your mortgage journey. Our goal is to help you overcome any obstacles you may encounter and ensure a smooth and successful transaction.

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Buy to Let Mortgages in Essex FAQ's

How much deposit do I need for a buy to let mortgage in Essex?

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Typically, the deposit required by most lenders for a property purchase falls within the range of 20-40% of the property’s value. The amount you can borrow for a mortgage is influenced by various factors, such as the number of properties you own, your individual circumstances, and your credit rating.

If I'm a first time buyer, can I get a buy to let mortgage in Essex?

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If you are a first time buyer in Essex seeking a buy to let mortgage, it may be possible to find a lender who is willing to work with you, though this can vary depending on the lender. Since you have no previous property ownership experience, your application may be viewed as higher risk by some lenders, who will carefully consider your circumstances before making a decision.

In many cases, mortgage lenders will only offer buy to let mortgages in Essex to those who already own a property, as this provides evidence of their ability to make regular mortgage payments. If you are an existing homeowner, you may find it easier to apply for a buy to let mortgage in Essex, and may also have access to special offers that are not available to first-time buyers.

How much can I borrow for a buy to let mortgage in Essex?

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The amount a landlord can borrow for a buy to let mortgage is dependent on the anticipated rental income that the property will generate once it is occupied by tenants and a tenancy agreement is established.

In addition, mortgage lenders will typically require evidence of your personal income from a primary occupation or self-employment. This is because you will be responsible for making monthly payments on the buy to let mortgage in Essex, including any periods where the property may be vacant and generating no rental income.

What documents do I need for a buy to let mortgage in Essex?

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When applying for a buy to let mortgage in Essex, you will be required to provide your mortgage broker with various documents. Your lender will request proof of income, such as the last three months’ bank statements or SA302 tax returns if you are self-employed, as well as proof of deposit, identification, address, and your most recent or current P60. Additionally, your lender may require evidence of rental income.

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Our 4-Step Buy to Let Process

Free 30-Minute Mortgage Appointment

Step 1

If you want to determine your achievable investment goals, it is recommended that you consult with a specialized buy to let mortgage advisor in Essex.

During your consultation, the mortgage advisor will assess your individual circumstances and recommend whether an interest-only buy to let mortgage or a repayment mortgage is more suitable for your needs.

We Can Search 1000s of Mortgage Deals

Step 2

At our firm in Essex, our team of mortgage advisors conduct a comprehensive search of thousands of available mortgage deals to identify the ideal buy to let product that aligns with your investment objectives.

After selecting the most appropriate mortgage product, we will obtain a mortgage agreement in principle for you, which can serve as a valuable tool to support any property purchase offers you plan to make.

Submit Your Mortgage Application

Step 3

Once your property offer has been accepted, our mortgage advisor in Essex will take care of submitting your full mortgage application to the lender, along with all necessary evidential documents.

During this stage, the lender will undertake a stress test of your anticipated rental income to ensure that you have the financial capacity to meet all the monthly mortgage payments, as well as any additional associated costs. Our team will provide you with valuable guidance and support throughout this process to ensure a smooth and successful transaction.

Protecting You and Your Mortgage

Step 4

As a landlord, it is essential to have relevant insurance coverage to protect you in the event of unforeseen circumstances, regardless of whether you are a new or experienced landlord with multiple properties.

Our team will work closely with you to identify and recommend appropriate insurance policies that meet your specific needs.

In addition, we will stay in touch with you and provide timely reminders when your buy to let mortgage is up for renewal, ensuring that you have access to the most suitable and cost-effective deals available in the market for your investments.

Reasons To Choose Us

Free Mortgage Review

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Our mortgage administrators and advisors in Essex will support and guide you from your first initial appointment, all the way through until mortgage completion and even beyond that where we can help. We pride ourselves on providing top levels of mortgage advice, ensuring all our customers receive a clear, simple, stress-free and friendly mortgage experience.

1000s of Deals

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Here at Essexmoneyman we are very familiar in helping customers with their Buy to Let in Essex and gaining a lot of knowledge on that topic over the years. We regularly work with buy to let landlords, forming lasting relationships with those who have extensive portfolios or who need to remortgage, with many coming back to us time and time again.

Our Service

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We make sure that we are kept up to date with the latest legislation and lending criteria for mortgages regarding Buy to Let in Essex, which allows us to always make sure that our customers are well informed and presented with accurate and professional mortgage advice in Essex.

To learn more about these service levels and to see why so many experienced Buy to Let landlords come back to us when they need an expert to take on their portfolios mortgages, take a look at our genuine customer reviews. They are an excellent representation of how hard we work to help our customers.

7 Days a Week

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As trusted mortgage experts providing mortgage advice for Buy to Let in Essex, we will be readily available at times that suit you, here to help and support you with your mortgage process. Our team are available 7 days a week, from early until later on, here to help you overcome any mortgage hurdles in your way.

Malcolm and Amy Davidson - Mortgage Advice in Essex

We Search 1000s of Buy to Let Mortgages in Essex

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Buy to Let Mortgage Scenarios in Essex

Expert Buy to Let Mortgage Advice in Essex

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Throughout our time working in the industry as a Buy to Let mortgage broker in Essex, we have helped countless landlords in securing mortgages of their own for their investment properties.

Whether you’re looking to take a mortgage out on a regular residential buy to let in Essex, a holiday let, or a HMO, our open & honest expert team of mortgage advisors in Essex will be happy to take a look at your circumstances and find you a suitable mortgage deal.

Residential Buy to Let in Essex

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This it the Buy to Let option that we find is the most common when speak to customers. A residential Buy to Let in Essex is exactly what the name suggests, that being a residential property that you take a Buy to Let mortgage on, with a view to rent it out rather than live in it.

Most borrowers who are looking to get a Buy to Let in Essex will choose to take out their mortgage as interest-only. The reason for this, is because you’ll only be paying interest, your monthly payments will be lower. This amount will typically be covered by the monthly rent you charge on the property. Once your term ends, you will have to pay back all of the capital.

House of Multiple Occupancy (HMOs)

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A house in multiple occupancy is a term that is used to explain houses with multiple tenants residing within the same property, typically with shared areas. This is most commonly seen with student housing.

Depending on the size of your home, you may need a license from the council. In order to make sure you are aware of the legalities, we would recommend speaking with the local authority in advance.

Because HMOs are deemed to be specialist purchases in the world of Buy to Let mortgages, you’ll find that not all mortgage lenders will have products available for you. Luckily we have some on panel who are willing to lend to customers who are looking to take out a mortgage on a HMO property.

HMOs will typically bring in higher yields than than other standard Buy to Let investments will, though you have to be wary of other costs, such as license fees from the local authority and the regular general maintenance and upkeep involved with such an investment.

Buy to Let in Essex Through a Limited Company

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We are starting to find that more and more landlords are exploring their potential options for purchasing their investment properties by way of a limited company SPV (Special Purpose Vehicle), especially when it comes to landlords who perhaps have a much larger Buy to Let portfolio.

As a standard rule of thumb, taking out a mortgage with your limited company will mean that you will have to pay a much higher rate of interest, and there will be less options when it comes to products on offer from a mortgage lender. Once again, we have lenders on panel who will work with these types of purchases.

A positive side to this, could be the benefits regarding tax, though you should speak to a qualified tax advisor to learn more about this.

Holiday Lets Essex

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Holiday let mortgages are properties that will generally have more frequent, shorter term tenancies with a variety of people over time. You’ll generally see these near places that are popular for tourists, with properties varying from lodges, to chalets.

A holiday let is once again deemed to be a specialist type of Buy to Let investment, so again, not all mortgage lenders have available products for this mortgage type. On the flip side though, we do have a lot of experience in working with holiday lets, so we may be able to help.

If your situation does not match anything mentioned above, worry not as we may still be able to help. Book your free mortgage appointment today and we’ll take a look at what you’re trying to achieve, working hard to further your chances of mortgage success on your investment property.

Mortgage Guides & Essexmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at

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