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Buy to Let Mortgage Advice in Birmingham

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

Whether you are looking to purchase your first investment property or are a portfolio landlord, our experienced Mortgage Advisors in Birmingham have a wealth of knowledge when it comes to Buy to Let mortgages. Keeping up to date with all the latest legislation and market updates is our job! We can help with both purchases and remortgages, searching 1000s of deals to find the best Buy to Let mortgage for you.

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

Buy to Let Mortgage Advice in Birmingham

Our Mortgage Advisors in Birmingham are very experienced when it comes to Buy to Let mortgages, below we have listed some of the most popular scenarios we come across:

  • Buy to Let remortgage options & deals
  • Capital raising advice
  • Limited Company Mortgages, aka Specific Purpose Vehicles (SPVs)
  • HMO Mortgages, a House in Multiple Occupation
  • Buy to Let Mortgage options for Retired Landlords
  • Specialist Mortgage Advice in Birmingham for Professional & Portfolio Landlords
  • and much more…

Contact us to book your free Buy to Let mortgage consultation

Buy to Let Mortgages Birmingham

As your Buy to Let Mortgage Broker in Birmingham, we will help and support you through the full process and be here seven days a week, anytime you need us. We know that Buy to Let mortgages are not always straight forward and easy, we will help you over any hurdles that you face.

 

We will always be open and honest taking away as much stress as possible. Our free Buy to Let mortgage consultations are available daytime, evening or weekends. You will receive high-quality service that we very much strive for here at Birminghammoneyman.

 

Your happiness with the service you receive is very important to all the team, we really do love what we do, and this shines through in our genuine customer reviews.

 

Contact us today to book your free Buy to Let mortgage consultation.

What our customers say

Common mortgage
questions

The minimum deposit for a Buy to Let mortgage is usually 25% of the property value. However, this can vary between 20%-40%. One of our Mortgage Advisors in Birmingham will be more than happy to try and answer your Buy to Let mortgage deposit questions.

Your free mortgage consultation in Birmingham will last approximately 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 go ahead.

As your Mortgage Broker in Birmingham, we carry out a Fact Find to establish your needs prior to recommending the most suitable mortgage for you. A credit check is then required for an Agreement in Principle and then once you have provided all the relevant documentation and a valuation of the property has been carried out a formal mortgage offer can be issued

Our Mortgage Advisors in Birmingham recommend that you try and get your Agreement in Principle before you take up the decision of starting to view properties in Birmingham, to avoid disappointment. At the very latest you should obtain one prior to making an offer to assist your bargaining position with the seller.

An Agreement in Principle typically lasts for between 30 and 90 days depending on the lender. If your Agreement in Principle expires it can always be refreshed. If you need help obtaining one, our Mortgage Advisors in Birmingham can usually get one sorted for you within 24 hours of your application.

It can be possible to get a second mortgage on your home in Birmingham for debt consolidation or home improvements. It may also be possible to take out a mortgage on a second property if it is for your own use, the use of a family member, a holiday home or a Buy to Let.

If you have had credit problems you can still get a mortgage but you may need to put down a higher deposit than usual, perhaps 15% of the purchase price.

You can get a mortgage in Birmingham once you have submitted at least one year’s accounts. Most lenders use your salary + dividend to calculate the maximum mortgage whereas others go off your net profit.

To prove income it’s usually three payslips for an employee and the latest 2 years’ accounts for Self Employed. In addition, you will need to produce proof of ID, address and 3 months’ bank statements.

Our free consultation in Birmingham typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours and a formal mortgage offer takes about three weeks on average. Before you know it, you will be moving into your new property in Birmingham!

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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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Birminghammoneyman.com & Birminghammoneyman 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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Birminghammoneyman - Eleven Brindley Place (2nd Floor), 2 Brunswick Square, Birmingham, B1 2LP

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