Brilliant from start to finish on our mortgage process and kept us updated every step of the way. We were first time buyers and everything was explained fully. Wouldn't hesitate to contact again.
Danielle Khiabani
Buy to Let Mortgage Advice
Expert Mortgage Advice in branches, over the phone, online, or by appointment in your own home
Compare Thousands Of Buy To Let Rates
Secure Low Fixed Rate Mortgages - Now
Free, No Obligation Quotes
Save Money, Time And Hassle
Compare remortgage rates from 90+ lenders
We will search over 90 lenders and 12,000 mortgages so you can compare personalised rates and get the perfect deal.
The Bank of England is expected to increase the Base Rate soon - which means lenders may increase interest rates and repayments may become more expensive.
Some lenders have started to increase their rates already.
This means that you could save money by securing a lower rate now - even if your current deal doesn't finish for up to 6 months.
Don’t miss out! Find out how much you could save.
Speak to one of our mortgage experts for a no obligation quote.
What our customers have to say
© Finamply 2023. All rights reserved.
-
-
Mortgage process was so quick and straightforward, mortgage offer with my solicitor within 3 days - highly recommend.
Jo Greenway
-
Absolutely brilliant service. Listened to our concerns and really helped us out when others wouldn't. Would not go anywhere else. Excellent professional manner who thinks about the individual and responds to individual needs. Thank you for making it as painless as possible. Would highly recommend.
Claire Betts
-
Brilliant from start to finish on our mortgage process and kept us updated every step of the way. We were first time buyers and everything was explained fully. Wouldn't hesitate to contact again.
Danielle Khiabani
-
Mortgage process was so quick and straightforward, mortgage offer with my solicitor within 3 days - highly recommend.
Jo Greenway
-
Absolutely brilliant service. Listened to our concerns and really helped us out when others wouldn't. Would not go anywhere else. Excellent professional manner who thinks about the individual and responds to individual needs. Thank you for making it as painless as possible. Would highly recommend.
Claire Betts
-
Brilliant from start to finish on our mortgage process and kept us updated every step of the way. We were first time buyers and everything was explained fully. Wouldn't hesitate to contact again.
Danielle Khiabani
-
Mortgage process was so quick and straightforward, mortgage offer with my solicitor within 3 days - highly recommend.
Jo Greenway
-
Absolutely brilliant service. Listened to our concerns and really helped us out when others wouldn't. Would not go anywhere else. Excellent professional manner who thinks about the individual and responds to individual needs. Thank you for making it as painless as possible. Would highly recommend.
Claire Betts
88%
Based on 468 reviews
Terms and ConditionsCookie Policy
Compare & Save On Remortgage Deals
- Compare the UK's Leading Lenders
- Secure Low Fixed Rates - Now
- Free, No Obligation Quotes
- Save Money, Time and Hassle
01304 249 964
Your property may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.
3 Great Reasons
To Remortgage
Bespoke Mortgage Advice - Every Step Of The Way
Secure A Better Deal
You may be paying more on your existing remortgage than you should. Secure a lower Fixed Rate by switching mortgage providers.
Release Funds
Access additional cash by releasing money from your home for home improvements & renovations, a 2nd home deposit, or even a holiday!
Consolidate Debts
Pay off high-interest expensive debts (e.g. credit cards, personal loans, or overdrafts) with a debt consolidation remortgage.
Review Your Mortgage Now
Want to discuss your mortgage options?
Cant find the answers you need below? Speak to one of our experts today, we're happy to help!
Expert Buy To Let Mortgage Advice
Every Step Of The Way
Find A Better Deal
If you're purchasing a Buy to Let or remortgaging - start your application now to find a better deal.
Save Time
Your time is valuable. We'll manage your application for you. That way, you can focus on more
important things.
Simple & Efficient
Mortgages can get complicated fast – especially if you have a complex situation. Our Advisers are experts in Buy to Let mortgages.
Relax!
We'll secure your mortgage and can help find you conveyancers, insurance and protection cover to complete your mortgage journey.
There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.
Your property may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.
Bespoke Mortgage Advice - Every Step Of The Way
Discuss your options
Speak to a friendly, expert Adviser about your unique mortgage needs.
1
Compare Deals
We'll search thousands of products for the perfect mortgage and present our advice to you.
2
Submit Your Application
Your Adviser and Case Manager will complete your application and liaise with the lender.
3
Support Your Journey
We'll secure your mortgage and can help find you conveyancers, insurance and protection cover to complete your mortgage journey.
4
The Bank of England could change the Base Rate at any point - which means lenders may increase interest rates and repayments may become more expensive.
Some lenders have started to increase their rates already.
This means that you could save money by securing a lower rate now - even if your current deal doesn't finish for up to 6 months.
Don’t miss out! Find out how much you could save.
Speak to one of our mortgage experts for a no obligation quote.
Review Your Mortgage Now
The Bank of England could change the Base Rate at any point - which means lenders may increase interest rates and repayments may become more expensive.
Some lenders have started to increase their rates already.
This means that you could save money by securing a lower rate now - even if your current deal doesn't finish for up to 6 months.
Don’t miss out! Find out how much you could save.
Speak to one of our mortgage experts for a no obligation quote.
Review Your Mortgage Now
FAQs
Are Buy-to-Let Interest Rates Different from Residential Rates?
Even the cheapest buy-to-let mortgage rates tend to be a little higher than the rates on residential properties as buy-to-lets are riskier investments for lenders. For example, if you have a mortgage on your home and a mortgage on a rental property, but you find yourself able to make only one of these monthly payments, it’s very likely you’ll prioritise the mortgage payment on your home over the one on the rental property. Therefore, to compensate for the additional risk, buy-to-let lenders set interest rates slightly higher. They also usually require a bigger minimum deposit – usually at least 25%.
How Many Buy-to-Lets Can I Have?
Lenders have different rules regarding how many mortgages you can take out with them for buy-to-let properties. There are also some limits based upon your entire portfolio, including any properties mortgaged with other lenders. Many high street lenders cap the number of buy-to-let properties at 3 - 5, but there are some lenders that work exclusively with portfolio landlords who own 4 + properties.
How Much Can I Borrow for a Buy-to-Let?
The amount you can borrow and the rates available to you will depend on the size of your deposit and your expected rental income, as this will determine how much you’ll be able to afford in monthly interest payments.
Can You Change a Residential Mortgage to a Buy-to-Let?
You can apply for consent to let on your residential property from your current lender if you only intend on renting it out for a certain period of time - e.g. a year. Alternatively, if you want to let out your current home indefinitely and maybe release some equity from it at the same time to buy a new home, you’ll want to consult a mortgage broker about letting to buy.
Can a First-Time Buyer Get a Buy-to-Let?
It is possible for a first-time buyer to take out a mortgage on a buy-to-let property but there are very few lenders available that offer these kinds of niche products, so you may want to consult a mortgage broker.
Can You Get Mortgage on a Buy-to-Let Property with a Deposit of Less than 25%?
There are a few buy-to-let lenders that offer LTVs (loan-to-values) higher than 75%. You may want to speak to a mortgage adviser if you’re after one of these slightly more specialist mortgages as they tend to be relatively expensive.
What Should I Do if I’m Coming to the End of My Fixed Rate Buy-to-Let Mortgage?
If you’ve got 6 months left on a fixed rate, and you don’t want to pay an ERC (Early Repayment Charge) to switch to a new rate now, you can fix a deal 6 months in advance of the end of your rate with most lenders - this is possible as most mortgage offers are valid for 6 months. That way, if rates continue to decrease between now and then you can look at switching to a lower rate in that time. On the other hand, if rates continue to increase you’ll have secured your rate and won’t be affected by any impending rate increase in that time. A win-win in any outcome.
I Have a Year Left on My Buy to Let Fixed Rate – Do I Remortgage Now?
For those in a fixed rate with a year left or longer, wondering whether it’s worth paying an ERC (early repayment charge) to tie in for a new deal now - rather than reviewing in 6 - 9 months’ time when rates may have increased - you need to take into consideration the costs of this decision, the ERC percentage and other associated fees the lender may have for clearing the loan early.
It's best to speak to a broker if you’re in this situation. They’ll be able to establish whether the savings you’ll make by switching to a new deal early are worth the ERCs.
How quickly can you arrange my remortgage?
It depends! We would normally expect the mortgage application to be approved within a 2 to 3 week period and then you may need to allow a further 3 week period to complete the legal process. Some lenders are faster than others. If speed was a key concern for you, your mortgage broker may recommend certain mortgage providers to assist with a faster turnaround.
03330 341 287Enquire NowMenu
Monday to Friday - 8:30am to 8pm
Saturday - 8:30am to 6pm
Sunday - 10am to 4pm
Get in Touch
03330 341 28701843 844 899
Enquire NowFirst Time BuyersHome MoversBuy To LetRemortgageBridging FinanceSecured LoansAbout UsDevelopment FinanceInsights
Looking for a conveyancing or survey quote?
Receive an instant quote on conveyancing and survey costs by clicking the button below.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
There may be a fee for our advice and service. The actual amount you pay will depend upon your circumstances. The fee is typically £998.
*Representative example: If you borrow £255,000 over a 25 year term on a fixed interest rate of 4.41% for the first 2 years, followed by 7.65% variable for the remaining term, your monthly payments for the initial 2 years will be £1,408.51. Representative APRC of 7.3% variable. The total amount of interest and capital you'll repay over the term of the loan will be £553,892.20. This example includes £1,124 of fees in total, which may be payable to the lender or to Finamply.
Finamply is a trading name of Western Eagle Finance Limited which is directly authorised and regulated by the Financial Conduct Authority.
Some products and services which we offer are not subject to regulation by the Financial Conduct Authority and may not benefit from protection under the Financial Services Compensation Scheme. Your adviser will advise you of the regulatory status of our services once they've assessed your needs.
Western Eagle Finance Limited Registered Office: Thelnetham House High Street, Thelnetham, Diss, England, IP22 1JL. Registered in England Number: 13691352