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Buy to Let Mortgage Advice in Bristol

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

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.

 

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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 Popular Buy to Let Mortgage Scenarios in Bristol

In our time as a trusted Mortgage Broker in Bristol, we have encountered a range of buy to let mortgage scenarios in Bristol and the surrounding areas.

 

Remortgage a Buy to Let in Lincoln

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.

 

Limited Company Mortgages / Special Purpose Vehicles (SPVs)

In the event where you are looking to build your buy to let portfolio through a Limited Company or Special Purpose Vehicle (SPV), you might not all lenders will accept due to the situation being a specialist one. Therefore, speaking to a specialist Mortgage Advisor in Bristol would be helpful in finding you an appropriate lender.

 

HMO Mortgages in Bristol

This type of mortgage is taken out on properties that typically occupied by five or more people. HMO mortgage are especially popular amongst landlords who own student accommodation. You might find that no 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.

 

Buy to Let Mortgages in Bristol

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 Specialist Mortgage Advisors in Bristol.

Open & Honest Buy to Let Mortgage Broker in Bristol

Our team always provide a helping hand and friendly support to customers throughout the full process.

 

 

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.

 

 

Our team of Mortgage Advisors in Bristol have helped a plethora of landlords through utilising their rich knowledge in the buy to let mortgage criteria to find them the best mortgage that will suit their circumstance.

 

 

Here at Bristolmoneyman, we always make sure that we are up to date with the latest buy to let legislation and lending criteria. Therefore, you can rest assured that you are receiving up to date Mortgage Advice 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 customers reviews to see why so many landlords approach Bristolmoneyman when looking to take out a buy to let mortgage.

Reviews Stars5.00 Rating2 Reviews

Common mortgage
questions

Typically, our free consultation will last up to an hour or so. Our team can turn around an agreement in principle within 24 hours of speaking to an advisor. A formal mortgage offer can take around three weeks on average.

It’s typically three payslips for an employee to prove their income and the latest 2 years’ accounts for a Self Employed applicant. You will also need to provide the lender with proof of ID, address, and 3 months’ bank statements.

Once you have submitted a minimum one year’s accounts, you can get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas some other lenders are known to go off your net profit.

Even if you have had credit problems, you may still be able to get a mortgage, though you may be required to put down a higher deposit than you otherwise would’ve, often 15% of the property purchase price.

You may find that it is possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. If you are looking to take out a mortgage on a second property, either to use it for yourself, a family member, a holiday home, or a Buy to Let, this may also be possible.

An Agreement in Principle will usually last between 30 and 90 days, depending on the lender you go with. If your Agreement in Principle expires, you can always have it refreshed.

To avoid being disappointed if an offer falls through, we recommend that home buyers obtain an Agreement in Principle before you begin viewing properties in Bristol. At the very latest you should obtain an AIP prior to making an offer to assist your bargaining position with a seller.

As a trusted and hard-working mortgage broker in Bristol, we will carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for your situation. A credit check will be required for an Agreement in Principle. Once you have given the lender all the relevant documentation and a valuation of the property has been completed, a formal mortgage offer can be issued.

Your free mortgage consultation with a trusted member of our mortgage advice team in Bristol will last around one hour. From there, your advisor will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether you wish to take it or step back.

Though it varies anywhere between 20%-40%, the lowest required deposit for a buy to let mortgage is usually around 25% of the property value.

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

Bristolmoneyman.com & Bristolmoneyman 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 www.register.fca.org.uk

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
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk

© 2022 Bristolmoneyman

Bristolmoneyman, St. Brandon's House, 29 Great George St, Bristol, BS1 5QT.

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