Buy to Let Mortgage Advice in Essex | Essexmoneyman

Buy to Let Mortgage Advice in Essex

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Mortgage Advice for a Buy to Let 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.


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 an expert and benefit from a free mortgage appointment today.

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The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.

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

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Buy to Let in Essex

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.



Here are some common mortgage scenarios that we have come across with Buy to Let in Essex in our experience;

Residential Buy to Let in Essex

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)

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

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

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.

Buy to Let Mortgages Essex

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.


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.


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.


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.


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.

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Common mortgage

Your free initial mortgage consultation in Essex will last roughly around one hour. Your mortgage advisor will then recommend a mortgage for you with no obligation for you to proceed and you are then able to decide whether or not you wish to go ahead with the mortgage.

Buy to Let’s can often vary when it comes to necessary deposit, though it is usually between 20%-40%. Typically, the minimum deposit for a Buy to Let mortgage is around 25% of the property value.

As your mortgage broker in Essex, we will need to carry out a Fact Find to establish what your needs are, prior to us recommending the most suitable mortgage for you and your circumstances. A credit check will be required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, you will be able to receive a formal mortgage offer.

To avoid the potential of having an offer rejected, we recommend you obtain an Agreement in Principle before viewing properties in Essex. We recommend that at the very latest, you should obtain one before you look at making an offer, as this can assist your bargaining position.

Your Agreement in Principle will usually last for between 30 and 90 days, depending on the lender that you go with. If it happens to expire, your mortgage broker in Essex can easily refresh this.

If you’re thinking about the future of your property, whether you’re looking at debt consolidation or home improvements, you may eligible for a second mortgage. This may also be a possible option if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

If you have had previous credit problems, the good news is you can still get a mortgage, though you may possibly have to put down a higher deposit than those with good credit, often around 15% of the property purchase price.

Once you have put forward at least one year’s accounts, you will be able to get a mortgage. A vast amount of lenders will use your salary plus dividend to determine the maximum mortgage you are eligible for, whereas others may go off your net profit.

For an employee to prove their income, they’re usually required to provide three payslips, whilst for self-employed applicants they’ll need the latest 2 years’ accounts. You will also need to present the lender with proof of ID, address and the latest 3 months’ bank statements.

When you engage in a free mortgage consultation with one of our Mortgage Advisors in Essex, your discussion will take around one hour. Our team can usually produce an Agreement in Principle within 24 hours of your appointment and achieve a formal mortgage offer within three weeks.

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!

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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Authorised and Regulated by the Financial Conduct Authority.
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The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
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The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

Essexmoneyman, Elizabeth House, 28 Baddow Road, Chelmsford, Essex, CM2 0DG.

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