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Buy to Let Mortgage Advice in Essex

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

Regardless of whatever situation you’re going towards, our Mortgage Advisors in Essex are able to help with your Buy to Let Mortgage. There mortgage market is everchanging so it may be hard for some people to keep up with everything that goes on, which is why our Mortgage Advisors in Essex are happy to take that stress off you so that you’re able to go through your Buy to Let mortgage application in Essex without any worries. We’re with you from your initial enquiry right through to your completion day and beyond.

How does it work?Get a quote nowMeet your advisor

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

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Buy to Let Mortgages | Popular Situations

  • Buy to Let Remortgages.
  • Capital Raising Options.
  • Limited Company Mortgages, aka Specific Purpose Vehicles (SPVs).
  • HMO Mortgage Options, a House in Multiple Occupation.
  • Buy to Let Mortgage Advice in Essex for Retired Landlords.
  • Mortgage Advice for Professional & Portfolio Landlords.

 

We work with a large number of mortgage lenders, including a lot of specialist lenders. Our mortgage advice team have in-depth knowledge of all their different lending criteria.

Buy to Let Mortgages Essex

  • Free no-obligation mortgage consultation is available for all customers.
  • Our expert buy-to-let mortgage advisors are here 8am – 10pm to answer all of your questions. Getting through to a Mortgage Advisor in Essex will never be a problem.
  • We can search 1000’s of buy-to-let mortgages to find you the best deal for your circumstances.
  • We can offer face to face or over the telephone buy to let mortgage advice in Essex.

 

 Get in touch with us today and make a date for your free mortgage consultation.

What our customers say

Common mortgage
questions

Your free mortgage consultation in Essex will last around 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.

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

As your mortgage broker in Essex, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check gets 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.

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

An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender used. This can always be refreshed if it happens to expire.

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.

The good news is you can still get a mortgage 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 can get a mortgage. A large majority of Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.

For an employee to prove income, It’s usually three payslips and the latest 2 years’ accounts for Self Employed. You will also need to produce proof of ID, address and 3 months’ bank statements.

A standard initial mortgage consultation with one of our Mortgage Advisors in Essex can take around 1 hours. We can normally produce an Agreement in Principle within 24 hours and achieve a formal mortgage offer within 3 weeks.

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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!

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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Essexmoneyman.com & Essexemoneyman 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.


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