Buy to let

Whether you're a first-time landlord purchasing your first buy-to-let property or an experienced investor looking to refinance your portfolio, we're here to help you secure the best rates and maximise your returns!

GET IN TOUCH

Our partners

Buy to let

If you’re investing in the buy to let market our initial discussions will cover price, deposit, and rental potential.  We will also help you evaluate the suitability of a property for investment.

If you are re-mortgaging, remember you are not tied to your current lender. Come to us, review your financial structuring and we will research the market and find you a better deal.

If you are a landlord with numerous properties, you will need a holistic approach to your portfolio. At Mortgage Yard we work to understand your business, which enables us to manage the refinancing programme.

Our aim is to establish a long-term relationship with you and we’re always at the end of the phone throughout the process, or to discuss your next project!

GET IN TOUCH
“The Mortgage Yard was recommended to me by a work colleague and I initially contacted them via email on a Sunday (as little time with working during the week!). By that afternoon they’d got in touch and I’d had an initial discussion where Kate Kravis gave me her view the mortgage wouldn’t be a problem. They helped my partner and I buy a second property which we didn’t think possible - it was great news for us personally. Sidonie then took on our application and she was first class. Nothing was too much trouble and she always answered the phone whenever we rang with queries or needing help (a rare quality these days!). When she gave us our offer I did a bit of research beforehand to ensure I knew about the best rates - Sidonie’s first offer to us was market leading and a fantastic competitive rate so really pleasing!

I will be using them again when our mortgages are up for renewal. Fab lovely folks who are experts in their fields. Highly recommend.”
— Tom

Our Process

Want to know more about what’s involved?

Explore each step of the process to gain a basic understanding of our process when finding you the right mortgage and helping you secure your dream home!

Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

  • A quick call to get to know each other and find out more about your plans

    Questions we will ask:

    • Current mortgage details

    • Current household earnings and commitments

    • What you’re hoping to do

  • We’ll do some research and put together possible options for us to discuss.

    This could include:

    • How much you could borrow

    • How much you can buy a house for

    • A rough guide to the cost per month

  • We’ll have a chat to discuss the initial figures, making sure they suit you. We want you to feel happy and confident with your future mortgage and we’ll spend as much time as you need to get it right.

  • (also called Agreement in Principle and Mortgage in Principle – confusing!)

    The next step is to approach a mortgage lender and tell them:

    • Who you are

    • What you earn and owe

    • What you want to borrow

    The lender will run a credit check and produce a certificate confirming what you can borrow. This is the Decision in Principle.

    It will give you a degree of certainty and is required by estate agents.

  • Over to you to find the house of your dreams.

    Don’t forget we’re here to help you through the whole process.

GET IN TOUCH

Let’s get moving