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Buy to let mortgage advice

When you decide to get a buy to let mortgage, we have access to the whole market. We will ensure we get the most suitable buy to let mortgage for you. At Southern Mortgages we know investing in property is a very exciting journey. We have had the pleasure of enjoying this several times with clients, we are experts when it comes to your buy to let mortgage.

Buy to let mortgages all you need to know.

Whether you are buying your first investment property or expanding your portfolio, at Southern Mortgages we have access to thousands of Buy to Let mortgages across a wide range of mortgages lenders.

Buy to Let mortgages are not like ordinary mortgages and have some key differences:

The fees for buy to let mortgages tend to be higher
You usually need a bigger deposit
Interest rates on buy to let mortgages are often higher
Buy to let mortgages can be taken on a repayment or interest only basis. If you take the loan on an interest only basis then you will need a means of repaying the loan outstanding at the end of the term.
There can be restrictions around the amount you are able to borrow which is often linked to the amount of rental income you are expecting.

Being a landlord

You need to know that your monthly rental income will cover your monthly mortgage payments and to plan for times when maybe there are no tenants living in the house or not receiving the rental income you expected. We can help with Landlords Insurance to cover you for non-payment in rent by tenants.

Southern Mortgages will help you to understand the differences and the risks of a Buy to Let Mortgage so you know exactly what to expect. We will make a recommendation based on your circumstances and needs to find you a competitively priced deal.

Whether you are an individual or a Limited Company and you are considering a Buy to Let Mortgage, get in touch with the Southern Mortgages for advice.

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Looking for Advice? Have a Question?

If you would like to speak to one of our advisers, ask us a question, or to get started with a mortgage application, why not send an enquiry or give us a call for a no obligation chat.

Have you had a buy to let mortgage before?

Experienced Landlords in Essex

With the many specialist options available when it comes to buy to let mortgages, it’s important to do your shopping first to make sure you are getting the right deal to suit your rental income. Here at Southern Mortgages, it’s imperative to us that the mortgage process is easy, fast and fit for you, and, with our wealth of experience in Essex & London, you’ll have the right broker to help maximise your profits and build your portfolio.

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Compare top Buy to Let Mortgage rates today

What are you looking to do?

New Mortgage

If you’re looking to get a new mortgage and extend your housing portfolio then our help could not only reduce your initial period payments, but could also benefit you in the long run with our life-long financial advice. We’re always looking to secure the best deal for your new mortgage, and we will leave no stone unturned when it comes to your paperwork, so you can rest assured that your investment is in good hands.

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It’s important to look into your remortgaging options regularly if you have a buy to let mortgage, as the more you look around, the more you are likely to save. With our access to specialist lenders, we can help you find the right remortgaging offer, whilst you concentrate on the tenants that are right for you. You never know, it could even open up new doors to build your portfolio even further.

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Finding the right deal for you

As an experienced landlord, you’ll be aware of the recent changes to tax laws, as well as the increase in Stamp Duty percentages. With this in mind, it’s more essential than ever to get the right deal for your mortgage and ensure that you are able to cover your payments and then some by your rental income alone. Whether you’re interested in a new mortgage for an auction property, a new property or a remortgage on your current property, get in touch today and have your mortgage the Southern way.

Looking for a Buy to Let Commercial Loan?

We can help with that too – with our expert buy to let mortgage advisers who specialise in commercial loans. Get in touch today and see what we can do for you and your commercial property.

First time buyer mortgage lenders Southend Essex

Lending with big names

With experience comes wisdom, and never has that been more applicable than when it comes to your mortgage deal. As you know, there are a wide range of lenders to look at when considering what your best options are for your finances and, with our whole of market access, our mortgage advice is a sure winner!

The first steps to becoming a landlord

Investing in property is a very exciting journey, one that we have experienced many times with our customers. Whilst not entirely risk free, investing in property can lead to huge profits and a healthy, steady income. With your new buy to let mortgage comes a lifetime asset that could eventually become a personal pension opportunity, so it’s important to get the deal that is absolutely right for you and our team of expert mortgage brokers are here to help every step of the way.

Mortgages get started

1. Get started

Get in touch with an expert adviser from our team and get a Decision in Principle for your buy to let mortgage, and see how much you could borrow.

Mortgages offers

2. Mortgage Offer

Whilst you find the perfect property and/or tenants, we’ll liaise with your solicitor and get a mortgage offer that is suited to your rental income and overall finances.

Southern Mortgages

3. Completion Day

Enjoy the benefits of your new buy to let property and we’ll share our long term advice to maintain the best from your mortgage deal and build your portfolio.

Get advice for your buy to let mortgage

Investments & Profits

Investing in property is all about putting your best foot forward and, here at Southern Mortgages, it’s important to us that your buy to let mortgage makes the most of your finances and keeps your payments as low as possible. With specialist lenders available to us, we work with you to find the best deal to suit your lifestyle, and use our expertise to advise you, now and in the future, on the best options available to you.

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Lenders & Fees

As you move into your 'buy to let' chapter, be aware that there are fees that you may come across that will be different to what you are used to with a standard residential mortgage. Your deposit on average needs to be between 20-40% of the property. Most of the deals available are interest-only, to ensure that your loan repayments are manageable, and come with a higher arrangement fee.

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First time buyer mortgage lenders Southend Essex

Lending with big names

Whilst exploring your first buy to let mortgage deal, it’s important that you have a wide array of lenders to choose from, to ensure you get the best deal to fit you. With our whole of market access, you can rest assured that no stone will go unturned when it comes to finding the best rates!

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Helping you buy to let

It is important to us that the whole buy to let process, however daunting it may seem, is made easy and stress-free from start to finish. That’s why we’ve partnered with the local estate agent Ayres & Cruiks and solicitors Broker Conveyancing, to ensure that we can maintain a good relationship throughout your journey, and advise you every step of the way.

Southern Mortgages
Southern Mortgages Southend Essex

Buy to Let FAQs

The buy to let process is never straight forward, so don’t worry if you still have some questions to ask. Take a look at our handy FAQs and, if you can’t find what you’re looking for, give us a call today on 01702 746811.

If you are thinking of buying a property at auction that is in need of renovation, then you could be onto a goldmine when it comes to your investment. The most common failure for this type of investment is when the borrower (you) underestimates the cost of the work that needs to be done. We recommend that you get not one, not two, but three separate quotes for the renovation and find a happy medium for what you feel is a realistic timeframe and cost. It may even be worth adding a clause to your contract that charges a fee for late delivery of work.

There is a lot to consider when maintaining a buy to let property, but the most important thing is that you abide by the clauses laid out in the contract between yourself and the tenant. Along with this, you will have to meet the national standards for England/Wales, as well as any council rules and regulations. If you are unsure on whether buy to let is right for you, give us a call today and see how our 5 star advice could help you.

There are two significant ways of measuring the return on your investment for your buy to let mortgage. The first way is called ‘Yield’ which is a percentage showing your annual earnings, calculated by dividing the property’s purchase value by your annual rental income. The second way to calculate your return is called ‘Capital Growth’, and this is calculated by the property’s market value, minus any buying, renovation and tax fees you have incurred.

Need some more advice regarding your Buy to Let mortgage? Why not take a look at this handy guide!

Get your Buy to Let mortgage

Speak to one of our advisers today and see how we can help you with a stress-free mortgage.

Call us now on

01702 746811