Buy-to-Let Mortgage Brokers

Today’s mortgage market contains a huge number of products suitable for all kinds of borrowers, supplied by a very wide range of lenders or providers. The Buy-to-Let market has in particular become far more competitive (and at the same time more regulated) in recent years, and trying to navigate through the details of every offer from every lender can be a confusing and overwhelming experience.

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.

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Author: Carl Shave - CEO and co-founder
Last updated: 26 May 2024

Benefits of using a buy-to-let mortgage broker

The main benefit to you as an applicant using the services of buy to let mortgage brokers will be peace of mind and a huge saving in time and effort. You will not find yourself constantly wondering whether there are providers or deals you have missed, nor small print or red tape that you don’t realise you have to deal with. Neither will you have to spend hours online for several nights researching products and reading up on the pros and cons of various aspects of a Buy-to-Let mortgage deal, and the rules lenders might apply (and they will differ from lender to lender).

A Buy-to-Let mortgage broker will have the benefit of experience, having handled many cases similar to yours before, and won’t be phased by lenders’ jargon or seemingly unusual demands. They can also be of great assistance with your application – helping you to complete everything effectively and flagging up the right documentation to provide to support your case. Where you might have issues (for example with any bad credit on your record) they can help to frame your circumstances in a way to show you in the best light.

All in all, working with a Buy-to-Let mortgage broker will give your mortgage application the best chance of success, as well as saving you time and money over a more conventional deal that you might have sourced yourself. Try our Buy-to-Let Mortgage calculator to find how much you could possibly pay for your mortgage.

An introduction to Buy-to-Let Mortgages

Buy-to-Let Topics

Whether you're investing in your first Buy-to-Let Mortgage or an experienced landlord, we can help.

Useful Information

Who are the best Buy-to-Let Mortgage Brokers?

When we speak of best, this can be defined by different aspects depending on what your individual needs may be. The best buy-to-let mortgage brokers will perhaps be decided by two main factors, being those that can offer you the service you require combined with finding you the most appropriate buy to let mortgage scheme for you.

The best does not necessarily have to be from a firm of buy to let specialist mortgage brokers however knowing that you are speaking to someone who has the right level of knowledge in this sector can be of huge benefit in their understanding of your situation and the market. This in turn should result in a good relationship and the confidence that they will source you the best mortgage for your properties.

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Why Choose Just Mortgage Brokers?

We know you have a choice, and we value every enquiry we get. Here are the reasons why you’ll enjoy working with us to obtain the mortgage you need:

We have unlimited access to over 12,000 mortgage products through more than 90 lenders in the UK, and are usually able to obtain deals you won’t find on the high street or online, often on an exclusive basis. With this breadth of coverage, we know we will locate a mortgage that will both suit your needs and make most sense financially.

Our team has an incredible amount of knowledge and experience gained from handling mortgage enquiries and applications for people in all kinds of circumstances. Whatever your ambitions, background, business, financial status, credit rating, or stage in life, there will be an advisor on our team who can help you.

When you’ve been working with mortgages and liaising with lenders for as long as we have, you build up a level of familiarity and respect within the industry that enables you to ask the right questions, sound out lenders ahead of formal applications and help to make positive outcomes happen for your clients. We also know every inch of a lender’s criteria and ways they use to assess applicants, to avoid wasting any of your time.

You’ll be glad to hear we don’t use call centres. It’s easier to talk things over and get direct answers from a real person rather than wade through a website, and every enquiry we receive is dealt with by a member of our professional team. We’ll listen to you and get a thorough understanding of your needs and circumstances, so we can find the right mortgage for your situation. And when you’ve made a decision, we’ll support you throughout the process.

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Buy-to-Let Mortgages FAQs

You might see many Buy-to-Let mortgage brokers online offering advice without fees, but be careful to note this is now everyday practice throughout the industry. The advice – especially the initial consultation – is free, but nearly all brokers charge buy to let mortgage broker fees or commission for their services. However, how this is charged and who pays it can vary. Regulations introduced by the government in recent years obliges brokers to be transparent about their fees, and they may take a commission from the lender or a fee from the borrower, and sometimes both.

Buy-to-Let fees tend to be a little higher than conventional residential mortgages. The broker’s fee is often calculated according to a percentage of the total loan amount – typically around 1% – or some brokers might state a fixed fee for their service, which can vary from £500 to £1,000. In the case of a standard fixed fee, the broker will usually also take the commission from the lender; if their fee is solely based on a percentage paid by the borrower, then they will typically rebate the commission they received from the lender.

Some brokers may mention other fees that are in fact not theirs but charges from other professionals as part of the mortgage chain, which they might then pay on your behalf if you do not do so direct. This might include (but is not limited to) an application fee (which may be used to pay for the valuation survey), a booking fee (which is payable to the lender in order to secure a particular interest rate), transfer fees and legal fees for your solicitor to handle the paperwork and checks.

In the end, every professional who assists you in achieving the mortgage you need will require a fee for their services. Whether this is covered by the borrower, the provider, the broker or another adviser, the money will change hands, and any figure that looks like a saving is likely to be charged back to the customer in a more subtle way, perhaps in the form of a fractionally higher interest rate.

Remember, brokers are there to help you and are obliged to offer advice that is in your interests, not solely for them to make a profit.

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