Buy-to-Let
& Let-to-Buy

“Having worked in financial services for over 30 years I have seen the buy-to-let market change dramatically. It is not easy financing and refinancing a portfolio of properties which is where we add value. Our priority is to make the mortgage process stress-free for our landlord clients, leaving them to concentrate on the tenancy and maintenance side of their business.”

exchange wealth management mortgages equity release protection insurance financial planning liverpool merseyside

Ian Ward CeMAP CeRER

Director

exchange wealth management mortgages equity release protection insurance financial planning liverpool merseyside

Buy-to-Let Mortgages

When you buy a property with the aim to rent it out, you need a buy-to-let mortgage specifically for landlords. Whether you have one property or a portfolio of properties, you will want to get the best rate on your mortgage available to make the most of your investment. At Exchange Wealth Management Mortgages we have access to a wide range of buy to let mortgage products, some of which are only available via financial advisers. So if you are a landlord looking for a buy-to-let mortgage it is worth taking financial advice to make sure you are not missing out on a great deal.

There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £595.00 To understand the features and risks ask for a personalised illustration.

For First Time Landlords
For Professional Landlords
For First Time Buyers
Remortgage

For First Time Landlords

If you are considering buying a property for investment purposes you cannot fund the purchase with a normal residential mortgage. You will need to buy the property with a buy-to-let mortgage. The great news for first time landlords is that there are lots of buy-to-let mortgage products available. The not so great news is that it can be a headache trying to decide which mortgage is the best one for you. If you talk to one of our experienced Mortgage Advisers we can help guide you through the options available and illustrate what your monthly repayments would be and the other fees and costs you should consider when buying a property as an investment.

For Professional Landlords

Landlords who make their living from renting out properties will usually need multiple buy-to-let mortgages at once or will need a portfolio buy-to-let mortgage. It can be even more complex to arrange the financing on a portfolio of properties. A landlord might be in the process of buying a new rental property whilst at the same time need to remortgage on others. There are specific rules around lending to landlords with multiple properties so it is important to take financial advice from a Mortgage Adviser experienced in the buy-to-let mortgage market.

For First Time Buyers

If you are not on the property ladder already but are considering buying an investment property and letting it out, you will need to get a buy-to-let first time buyer mortgage. It is not always easy to secure a buy-to-let mortgage as a first-time buyer so it is a good idea to take financial advice from a mortgage adviser to help understand your options. You may need a larger deposit than other landlords which will have an impact your choice of investment property. At Exchange Wealth Management Mortgages our Mortgage Advisers can help you understand how taking on a buy-to-let mortgage as a first-time buyer may affect you if you go on to purchase a property which is your main residence.

Remortgage

When the initial offer rate on your buy-to-let mortgage comes to an end, it gives you the opportunity to look for a new mortgage. You might want to remortgage to try and save money on your monthly repayments or you might want to see if you can raise capital from releasing equity in the property. Whether you have one rental property or a portfolio of properties, there are lots of remortgage options available to you. One of our experienced and qualified Mortgage Advisers can help you navigate the busy buy-to-let remortgage market and narrow down the best products based on your needs. Once you have decided on which remortgage you would like to apply for we will help complete the lender application form which is a time consuming task in itself. We also advise you on the supporting material required from you by the lender for the application and keep you updated on the progress.

Let-to-Buy Mortgages

If you are looking to move from your current residential property that you own with a mortgage to a new home but want to keep hold of the existing one and rent it out, you will need what is known as a let-to-buy mortgage.

It may be that you live in your current property with a residential mortgage and you are already a landlord of many other properties. In this case you will need a let-to-buy large portfolio mortgage.

Confused? Yes, it can be a lot to take in and understand which is why it is a good idea to take advice from a qualified Mortgage Adviser. You can invest a lot of time looking at mortgage products and reading the rates and fees but how can you be sure that you are getting the best deal available to you? Some let-to-buy mortgages are only available via financial intermediaries as they will present the lender with suitable applicants and understand the supporting information required.

There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £595.00 To understand the features and risks ask for a personalised illustration.

Trustworthy Advice

Trustworthy Advice

Here at Exchange Wealth Management Mortgages we are a team of independent, qualified Mortgage Advisers. We are experts in arranging mortgage finance for our clients, after all this is what we do every day. Landlords come to us for advice on how to finance their property investments because they are experts in the rental market, not necessarily in property finance. We apply for the mortgage finance on behalf of the landlord, freeing them up to continue with their everyday job. If you are a landlord looking for mortgage advice please complete our contact form, email or call us and we will be happy to help. Our initial consultation is free of charge and you are under no obligation to take us up on our services.

Get in touch with our team of experts

✓ Independent, whole of market mortgage advice

✓ Experienced, qualified Mortgage Advisers you can trust

✓ Free of charge initial consultation to discuss your mortgage needs

✓ Excellent customer service proven by client testimonials

✓ Experts in many different types of property finance

✓ Access to intermediary-only mortgage products

✓ Saves you time sourcing and arranging the mortgage

✓ We help complete all the paperwork and online forms

✓ You receive regular updates on the progress of your application

✓ We are members of the Equity Release Council


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