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Buy to Let Mortgage Advice in Liverpool

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0151 438 2295

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

Part of our job is keeping up with the changes in the Buy to Let market. We will support you, talk you through what happens and always be at the other end of the phone when you need us. When purchasing or Remortgaging a Buy to Let property, things don’t always go the way you’d like them to, that’s why having a local Mortgage Advisor in Liverpool on your side will be extremely beneficial.

 

We have been working with local Buy to Let landlords in Liverpool for over 11 years now and know exactly how to get over the hurdles that we are faced with. Whether you have experience or not with Buy to Let mortgages getting Buy to Let Mortgage Advice in Liverpool could be within your best interests as they can sometimes get quite complicated and require a specialist’s opinion.

 

How does it work?Get a quote nowMeet your advisor

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

Mortgage Lenders 007

Buy to Let Mortgages – Popular Situations

No matter what type of Buy to Let mortgage you are looking for in Liverpool, we will find the perfect one to suit your circumstances:

  • 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 for Professional & Portfolio Landlords
  • and much more…

 

It makes no difference whether you have one property or a portfolio – we will do what we can to try and find the most appropriate Buy to Let mortgage in Liverpool for you.

Why should I use a Mortgage Broker for Buy to Let Mortgage Advice in Liverpool

  1. We’ll be here for you for help and support 7 days a week! Being a Landlord isn’t always easy, we’ll help you with any difficulties you face throughout the entire process.
  2. It’s our job to take the stress away, we’ll aim to make you feel relaxed and be open and honest.
  3. We really value your service, please read our genuine customer reviews at Reviews.co.uk.
  4. Unlike a bank, we’re able to search 1000’s of buy to let mortgage deals in order to recommend the best one for you!
  5. We’ll help you with any existing mortgages and properties in the background, and the options available if this is necessary.
  6. If you have been happy with our service, we’d love to form a long-lasting relationship with you to help you through another buy to let remortgage or purchase in the future.

 

As your Mortgage Advisor in Liverpool, we are here to help you.  Get in touch with us today and make a date for your free mortgage consultation.

What our customers say

Common mortgage
questions

Buy to Let deposits can vary, a lot has to be considered by the lender and that is why it can be as little as 20% up to 40%. In Liverpool, we mostly see lenders wanting a minimum at 25%.

Your free mortgage consultation with Liverpoolmoneyman will last around an hour. After your details have been taken, a Mortgage Advisor in Liverpool will then search through thousands of mortgage deals to find a perfect matching deal for you. Once we recommend the deal, you can decide whether to proceed with us or not, it’s completely up to you!

As your mortgage broker in Liverpool, we will need to carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is always required for you to obtain an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

We always recommend that you obtain an Agreement in Principle before you start viewing properties in Liverpool, as they can potentially put you in front of other buyers who don’t have one. Lenders will like the fact that you have prepared before making an offer.

An Agreement in Principle typically remains valid for between 30 and 90 days, but this can change depending on your lender. If your Agreement in Principle expires it can always be refreshed. A Mortgage Broker in Liverpool like us can usually get one sorted for you within 24 hours within your application.

Yes, you can get a second mortgage. You can take out a second mortgage for your current home for things like debt consolidation and home improvements. It is also possible to take out a second mortgage for another property if you want. Usually, this situation comes about when people are interested in a holiday home, are buying for a friend/family member or want a Let to Buy or Buy to Let.

It is possible but it can be a bit tricky though. When you have had previous credit problems your minimum deposit that is required could rise, we have seen it at 15% before. Having a Specialist Mortgage Broker in Liverpool could really help you get back on track in situations like these.

After you have proven at least one year’s accounts to your lender, you should be able to get a mortgage. Most lenders in Liverpool will use your salary plus dividend to work out your maximum mortgage, however, some can go off your net profit.

If you’re an employee, you will usually have to supply three payslips in order to prove your income. If you are Self Employed in Liverpool its normally the latest 2 years’ accounts. You will also need to produce proof of ID, address and 3 months’ bank statements.

Our free initial mortgage consultation can last up to an hour. As an experienced Mortgage Broker in Liverpool, after we have all of your information we can get you an Agreement in Principle within 24 hours or your phone call. On average, a formal mortgage offer takes about three weeks.

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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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Liverpoolmoneyman.com & Liverpoolmoneyman 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.

© 2020 Liverpoolmoneyman

Liverpoolmoneyman, Rodney Chambers, 40 Rodney Street, Liverpool, L1 9AA.

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