Our team of knowledgeable Mortgage Advisor in Bristol can provide extensive help and support whether you are a first time landlord or an experienced property investor.
Through experience, we have helped a lot of landlords in getting a buy to let mortgage with many of the benefitting from a Mortgage Broker in Bristol. Here at Bristolmoneyman, we have access to a large panel of lenders allowing us to search through 1000’s of mortgage deals including buy to let products. This means we can help you with finding the product that is fitting for your investment goals.
For landlords looking to purchase a buy to let property through a limited company (Special Purpose Vehicle), our mortgage advice team are experienced in this area and can speak to you about the options available for you and your circumstances.
Not only do we have knowledge in residential buy to let mortgages in Bristol, but we also can assist with HMOs (House of Multiple Occupancy) and holiday lets, if you require it.
If you are looking to discuss and compare taxation benefits, you will need to get in touch with an expert tax advisor, not a Mortgage Advisor in Bristol.
The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.
Lenders typically require a deposit of 20-40% of the property value, but this can vary. Factors such as the size of your property portfolio, personal circumstances, and credit score determine how much you can borrow for a mortgage.
As a first time buyer, it is possible to obtain a buy to let mortgage in Bristol, but it may depend on the lender you work with.
Your status as a first-time buyer may be seen as a risk by some lenders, and they may be more cautious when considering your application. In general, many lenders have offers that are only available to existing homeowners looking to take out a buy-to-let mortgage in Bristol.
However, if you already own a home, it may be easier to apply for a buy to let mortgage in Bristol as it can provide lenders with evidence of your ability to make monthly mortgage payments.
To apply for a buy to let mortgage in Bristol, you must submit various documents to your lender. These may include bank statements or tax returns (if self-employed), proof of deposit, identification and address, P60, and evidence of rental income.
Our team of experts offer mortgage advice in Bristol for those interested in investing in buy to let. They will help you find the best deal available for your personal and financial situation.
As a buy to let mortgage broker in Bristol, we have gained valuable experience assisting both new and established buy to let landlords in Bristol. We will guide you through the entire process and help overcome any challenges you may encounter during your mortgage journey.
Our Customers Love Us
5.00 Rating3 Reviews
Very responsive even in late evenings! Answered all of the questions that I had, explained the whole process through out and made the house buying process so much easier!
8 months ago
Helen was lovely to chat with, she booked me in for an appointment with a broker within minutes of me sending an email enquiry on a Sunday and explained everything about the process really well.
10 months ago
Spoke to several Mortgage Brokers about my situation and having talked to Malcolm, he fully understood my views and gave me his honest opinion. A very professional, friendly, and efficient service that enabled us to the best mortgage on the market.
2 years ago
To determine what buy to let objectives are achievable, it is recommended to consult with a specialised buy to let mortgage advisor in Bristol.
Your mortgage advisor will assess if an interest-only buy to let or a repayment mortgage is the most suitable option during this appointment.
Our mortgage advisors in Bristol will search thousands of mortgage options to find the most suitable buy to let mortgage for your property. We will then obtain a mortgage agreement in principle for you, which can serve as a valuable asset when making offers on properties.
Once your offer is accepted, your mortgage advisor in Bristol will submit your full mortgage application and required documents to the lender. The lender will then conduct a stress test on your projected rental income to determine your ability to make all monthly payments and additional expenses.
As a landlord, whether new or experienced, it is crucial to have the proper insurances in place to protect you and your family’s future. Our team will also reach out to you when your buy to let mortgage is up for remortgage to ensure you are on the best deal for your circumstances.
Every customer can benefit from a free buy to let mortgage appointment. During this session, our team will assess your mortgage goals and determine if this is the suitable path for you. Additionally, we will review your monthly payments and the maximum amount you wish to borrow.
We understand that everyone’s lifestyles are different which is why our team are here 7 days a week so you can speak to us at a time that suits you. Buy to let mortgages can come with its challenges which why we can help you overcome any hurdles as an expert Mortgage Broker in Bristol.
Right from the beginning of the process to the end, your dedicated Mortgage Advisor in Bristol will be there to provide a helping hand.
Check out our genuine customer reviews to see why so many landlords approach Bristolmoneyman when looking to take out a buy to let mortgage.
Our team is dedicated to providing a high level of customer service and support; striving to make the process as smooth and stress-free as possible for our customers.
Our team is knowledgeable and experienced, and we are committed to providing accurate and timely information to our customers.
Landlords who already have a large portfolio of buy to let properties consider expanding their portfolio more by investing in further opportunities. If you are a landlord with an existing portfolio, you might be at the point where you can remortgage another property to release equity. This can help towards getting a deposit for another buy to let property. Depending on the circumstances, our team could help you with this.
This type of mortgage is taken out on properties that are typically occupied by five or more people. HMO mortgages are especially popular amongst landlords who own student accommodation. You might find that not every lender will offer HMO deals as these types of products can be challenging. Because of this, we do recommend that you get in touch with a specialist Mortgage Advisor in Bristol.
You might have already had an offer accepted on your new home in Bristol, it’s now time to begin your full mortgage application process. For this, you will need to go back and speak to your mortgage advisor to begin this. Our team can also support you with different types of property surveys and suggest a trusted conveyancing solicitor to you.
Remember, these are only the most popular scenarios. Through our extensive experience, there is a high chance that we have encountered your situation before. You might be a first time buyer, first time landlord wanting to invest in buy to let or have a complicated mortgage situation. Whatever the situation might be, please don’t hesitate to get in touch to speak to one of our Mortgage Advisors in Bristol.