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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 ever changing 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 a video call 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 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.

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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.

Handy quick links

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.


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

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