Buy To Let Mortgages

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Here at The Friendly Mortgage Co. we specialise in Buy-To-Let mortgages. Buy to let investments can be very lucrative providing a monthly income to investors as well as offering the benefit of capital growth at the same time. However, it is important to get your finances right from the word go, so as to maximise your profitability. Going for the wrong finance option can lead to reduced profits over a long period of time so taking the right advice can be worth it's weight in gold. This is were we come in. The Friendly Mortgage Co. knows the buy to let industry inside out so whether you are a first time landlord who doesn't know where to start or whether you are an experienced investor with a portfolio of properties, our advice will help to get you to where you need to be as quickly as possible. You may only have aspirations to own a few buy to let properties or you might be dreaming of building a property empire but no matter where you sit in the market we can help you realise your dreams.

The Friendly Mortgage Co. is a member of the Connect Mortgage Network, giving us access to a panel with over 190 lenders including highstreet banks as well as specialist lenders. So, no matter what your needs or circumstances, we are sure to have a lender available that is the perfect fit. Many of the rates that we are able to access are exclusive and not available by going direct to a bank so it is always worth giving us a call to see what rates we can secure for you even if you have already had a quote from elsewhere. 

As well as being able to secure you a competitive, here at The Friendly Mortgage Co. we pride ourselves on our quality of service. You will deal with the same advisor from start to finish with direct access to be able to contact them via telephone or email so as to make the process as simple and smooth as possible. Your advisor will not only process your application but also complete any relevant paperwork, whilst at the same liaising with your lender and your solicitor to get the mortgage application through to completion in the most efficient manner possible.

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Specialist property types:

A buy to let property is defined as a House in Multiple Occupation, (HMO), if there are three or more tenants, from at least two households, who share basic amenities, such as a kitchen or bathroom. Properties of this type are becoming more and more popular with landlords due to the ability to maximise their rental potential from a property and it is an area of the market which The Friendly Mortgage Co. Can offer help and advice. Every lender has different criteria when it comes to HMO's and when talking to investor about such properties we often find they are surprised at how competitive the rates are they we can secure as well as the lender that we are able to recommend. 

If you own a HMO or are thinking of buying one then simply drop us a call to find out how competitive we can be!

Multi Unit Freehold Blocks (MUFB's or MUB's) are also becoming very popular with landlords these days due to the rental returns they can offer compared to start buy to let properties. A multi-unit freehold block (MUFB) is simply defined as multiple, separate, independent residential units held under a single title. For example, a large house that has been converted into 2 or more flats or a block of flats (large or small) ranging from 2-100 units. MUFB's can also sometime come in the form of multiple houses on 1 freehold or a house with an annexe that is rented out separately.

To raise a mortgage again a MUFB you will need a specialist mortgage product. The Friendly Mortgage Co. has access to a panel of more than 170 lenders, many of whom offer specialist products such as those needed for MUFB's so we are sure to be able to find you a product with the perfect fit.

Properties with non-standard construction can often look like very appealing buys. They are regularly sold below market value as they can be hard raise a mortgage against and the pool of interested buyers can often be very limited as a result. Given that we have access to such a large panel of lenders The Friendly Mortgage Co. Can often find lenders for such properties where other brokers can't. It is always worth bearing in mind that properties such as these may well be hard to sell but if you are getting them for the right price and the rental yield is high enough they can often be a great long term investment. 

Why not give us a call and see if we can help?