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3 easy steps to buy to let
We provide buy to let mortgage advice
Could you get a buy to let mortgage on your own? Probably but why would you. We’ll compare 1000s of BTL mortgage rates to save you time, hassle and money. We even get deals your own bank may not offer you. With our buy to let mortgage broker you can be assured of getting the right mortgage rates for your investment.
How to get a buy to let
We have years of experience in advising landlords on the right buy to let mortgage for their needs.
If you’re an experienced landlord or just starting out, you’ll have specialist requirements that set you apart from a standard residential purchaser. We can access the major lenders in the Buy To Let market including those specialising in lending to professional landlords and consumer buy to lets. Our Buy To Let mortgage advisors are very flexible and offer appointments over the phone, via video call or face to face from 08:00 - 20:00. Get your quote today.
Is it worth using a mortgage advisor
Buy To Let mortgages are designed for property investors and private landlords, who do not intend to live in the mortgaged property. Our Buy To Let mortgage advisors understand that this can be can be a daunting prospect. There’s so many things to think about – and that’s before you’ve even considered the many mortgage products, rates and lenders to choose from. We will guide you through the process from beginning to the end.
Why use GHL Direct
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What questions should a Buy To let buyer ask?
Some questions to ask when buying a property to rent out. We cover booking mortgage appointments to broker fees and everything in between.
It is sometimes referred to as ‘buy-to-let’ or ‘BTL’, and is a kind of property investment in which the investor becomes a landlord and rents out the property for money. Before investing, there are a lot of factors to consider, as there’s no guarantee you will make money.
With a Buy to Let mortgage, the amount you can borrow is determined by the rental income the property is likely to generate, as opposed to your salary and outgoings with a residential mortgage. For most lenders, the rental income must equal at least 125% of the monthly mortgage payment (on an interest-only basis), or even up to 145%, depending on the lender’s requirements.
In short, yes. It’s a unique type of mortgage due to the fact that you won’t be a permanent resident, and so is assessed differently. A buy-to-let mortgage is assessed based on the rental income generated by the property, as opposed to a residential mortgage in which your income is an important factor.
To put it bluntly, the best mortgage for you is one that you can afford. There are many types of mortgages for buy to let buyers, different mortgage repayment options and 1000s of mortgage rates on the market. Your mortgage advisor will be able to source your mortgage based on estimated rental income, deposit and loan to value to find the the right mortgage offer for you.
An initial meeting with a GHL Direct mortgage advisor to discuss your buy to let mortgage will usually be under 30 minutes. That said, it can last up to one hour depending on the complexity of your circumstances. At this point we’ll try to keep it brief.
Your initial meeting with a GHL Direct adviser to discuss your requirements is at our advisers own expense and always without obligation. Some mortgage advisors charge nothing, others charge according to the complexity of each individual case. Some mortgage advisers will charge an up-front flat fee while others will take commission from the bank or lender providing the loan. Your mortgage advisor will outline all this to you at the start of the meeting.
Our mortgage advisors are not restricted to any particular providers and will act solely in your best interests. We have access to over 15,000 mortgages from 53 of the UKs top mortgage lenders, we can even offer you deals your own bank may not. You should be confident the deal they recommend will be the best available mortgage for your circumstances. You also get to speak to us anytime of the day whereas your bank may only operate during business hours.
We really hope this isn’t the case but if you really don’t like our company or our advice its absolutely no problem at all. Your under no obligation to take our advice or in fact any mortgage advisors advice and this call is completely free to you
Once we have identified the options available, we’ll meet or chat with you again to discuss our recommendations over the phone. We’ll also write to you so you can review what we have suggested, and why. Assuming you’re happy with our recommendations, we’ll work with you to complete the application forms and liaise with your solicitor, valuers and surveyors on your behalf. We can also talk you through the vital areas involved in financially protecting your new property and we’ll stay in touch throughout the process – and into the future.
Buying a property isn’t just about the right mortgage; it also involves solicitors, surveys and insurance. Your financial advisor can help you will all of this and will talk you through the options at a later stage. One advisor, multiple solutions. We aim to keep it all stress free for you.
Your home or property may be repossessed if you do not keep up repayments on your mortgage. Some buy to let mortgages are not regulated by the Financial Conduct Authority.