Buy to Let Mortgages
- Why Use Us?

What you would have to do without the buy to let mortgage broker support

Buy to let property purchase is essentially handled under the commercial lending side of banking. It is therefore essential that you have some knowledge of commercial lending and management of properties to be successful in this area. When you come to sell a buy to let property you will need to consider the capital gains tax implications and if necessary seek professional help and tax advice.

Find the right buy to let mortgage or remortgage

» Research the entire different buy to let mortgages and loan schemes available and hope you find a cheap buy to let mortgage and one best suites your circumstances when buying a buy to let property house.

» Research all the different types of mortgage rates to find the one most appropriate to your situation.

» Go to lots of high street mortgage outlets for information on buy to let mortgages or remortgage and sort out which has the cheapest rate for a loan that suits you.

» Attend time consuming mortgage interviews to check you qualify for your chosen lender’s mortgage schemes.

» Check nothing has changed since you decided on a particular lender Wait for the adviser to assess your situation and get provisional approval of your required mortgage loan.

What you have do to once the buy to let mortgage has been accepted

» Sort out a reliable surveyor to check that your property purchase is sound.

» Find a solicitor who is experienced in conveyances and remortgages. Check that all the paperwork is correct and suitable to your house purchase or remortgage.

» Resolve any queries and problems arising from the advice of your professional team.

» Ensure that you have anticipated all the upfront costs correctly and are aware of deposit requirements etc so that your house purchase can proceed. Then you need to sort out the physical requirements of moving home.

Here's how Click n go can help you with Buy to Let Mortgage Advice

Here at Click n go we have a wealth of experience in helping buy to let clients achieve the size of portfolio they have in mind using straight buy to let mortgages as well as remortgage facilities or even a combination of both.

How we go about finding a buy to let mortgage

Firstly using good independent mortgage broker advice is not usually free or cheap. It is true that we charge a fee for our support but you can see below the advice we give and the support you get throughout the process justifies the cost.

The first way we can help you is to look at the whole mortgage market, not just the high street, for the most suitable buy to let mortgage loan using sophisticated software that is updated daily to give you the most accurate advice and cheapest mortgage deals available in the market. We will use our professional knowledge to present you with the mortgages that you will find most suitable in building your buy to let mortgage portfolio. Remember not all loan schemes are available to the public direct and that cheap is not always best. Some mortgage schemes are available only through mortgage brokers and not to the public directly. It is because we trade as an independent broker that we can provide you with such a wide range of mortgage products, commercial as well as domestic.

We will advise you on the cheapest among the type of rates available (fixed, variable, capped, collared or tracker) and how they can benefit you. We will maintain long term contact with you to ensure that your changing needs are met once any fixed rate period has expired and support you through any changes that need to be made.

How quick is the buy to let mortgage advice process?

The second most important help we can give you is to ensure that you are supplied with quick, accurate and up to date mortgage advice so that your buy to let property purchases are achieved. We are happy to set up purchase facilities for you so that you can bid at auction knowing you have the funds to back your bid. Here speed is vital you will need only one detailed discussion with us to establish your situation once you have completed our short online application. This advice can be given over the telephone with written confirmation issued by us within 24 hours. We can source the right scheme for you from literally hundreds available in the whole market and not just the high street.

Once the initial discussion is completed we will obtain an offer in principle which will indicate how much the lender is prepared to lend to you provided the information obtained in our initial discussion is supported by satisfactory paperwork. A significant part of our buy to let mortgage advice is to ensure that you can afford the mortgage and are aware of the costs of buying a property. Many remortgage schemes have a free fees offer which will help you to achieve as cheap a remortgage as possible which is a big plus when using remortgage in conjunction with buy to let mortgage. Again we would point out that cheap is not always best and that it is the whole mortgage scheme that has to be considered not just the fees.

Supporting your buy to let mortgage application

As your broker we will monitor and ensure that the correct documentation is supplied to the lender to support the information supplied at the time of our mortgage advice and the application in principle.

As we mentioned above our systems are updated daily to ensure that the buy to let mortgage advice we provide is bang up to date. We will hear of any changes at the earliest opportunity and update you of its affect on your application to ensure you get a quick mortgage offer with the least fuss.

Helping you find professional advisors

We have regular contact with the surveyors and their reports. We can advise on the type of survey you should consider and help with any issues that may arise and the ways to go about obtaining further information that may be required regarding damp, dry rot or structural problems etc.

We have a panel of solicitors that we have come across in our routine business. They are both experienced in the legalities of the house purchase process and have demonstrated to us that they can provide a reliable service. It is of course up to you to select from this panel and it in no way restricts your right to choose one of your own. Our panel solicitors will provide an estimate of cost to help you make your decision.

Once the offer has been issued we will check to ensure that it reflects the loan you require and help sort any discrepancy or problems.

We also have a number of contacts who would be happy to assist you as property managers so that you may let out your properties without any sleepless nights. We will help resolve and explain any queries raised by the professional advisers working on you behalf.

As part of our initial discussion we explain the costs involved and the likely amounts needed to fund your purchase and explain when these amounts fall due. We also provide a budget calculator to check that the buy to let mortgage is affordable on a monthly basis.

In doing all of this we enable you to concentrate on the property you want and the physical requirements of moving house and maintain you’re working life as normally as possible.

Our aim is to provide you with a complete service so that you will know how much you can borrow, find you a rate that is cheap and suitable to your needs. You will be able to find the best property you can get and buy it with the most competitive and effective buy to let mortgage loan available to you within the market. This will be provided in the minimum of time possible to ensure you win the race for your ideal property.

Remember the quality of our service is the strength of our business.