Mortgages

Buy-to-let Mortgages

One of the biggest costs that a landlord faces is a mortgage and buy-to-let remortgage rates can be higher than those for main residential mortgages.

By using a Broker like Mortgage Advice Services, You have the peace of mind that a qualified advisor will find the best possible rate available to us in the market place.

Fill out the form below to receive a free, no obligation quote today and see how we can help!

Mortgage Advice Services will do the research into different rates available helping making sure your investment property offers the highest return possible.

We can advise investors with several properties on how best to manage the financing across their whole portfolio.

With the sheer expanse of the mortgage market, it can be difficult to know where to find the best remortgage rate for your property.

Everybody’s circumstances are different and that means that mortgage rates will vary from lender to lender.

By using an advisor like Mortgage Advice Services you can be confident that you will get the most suitable product for your situation.

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    Frequently asked questions

    Your Mortgaging FAQs Answered

    At Mortgage Advice Services, our FAQs for British remortgage products serves as a comprehensive resource designed to simplify complex financial decisions for all our customers. 

    By addressing common queries and concerns related to mortgaging, our FAQs aim to provide clarity and guidance throughout the entire mortgaging process.

    Remortgaging is the process of choosing or switching your existing mortgage to a new lender or renegotiating the terms of your mortgage with your current lender.

    Yes, you can remortgage a buy-to-let property. However, lenders may have different criteria and rates for buy-to-let mortgages compared to residential mortgages.

    Remortgaging can help you secure a better interest rate, access equity in your home, consolidate debts, or change the terms of your mortgage to better suit your financial situation.

    The right time to remortgage depends on various factors such as current interest rates, your financial goals, and the terms of your existing mortgage. It’s advisable to review your mortgage regularly to ensure you’re getting the best deal.

    Eligibility for remortgaging depends on factors such as your credit score, income, employment status, and the equity in your home. Lenders will assess these factors when considering your remortgage application.

    Typical documents required for remortgaging include proof of income, bank statements, identification documents, and details of your existing mortgage.

    Yes, you can still remortgage if your property’s value has decreased, but it may affect the terms and rates offered by lenders. It’s advisable to seek advice from one of our mortgage advisor in such cases.

    A fixed-rate mortgage offers a set interest rate for a predetermined period, providing stability and predictability in mortgage repayments.

    A variable-rate mortgage has an interest rate that can fluctuate over time, typically in line with changes to the Bank of England’s base rate or the lender’s standard variable rate (SVR).

    It may still be possible to remortgage when you have bad credit history or a less favourable credit score, but it can be more challenging. Lenders may offer less favourable terms or higher interest rates to borrowers with poor credit history.

    Costs of remortgaging may include arrangement fees, valuation fees, legal fees, and early repayment charges if you’re still within a fixed-term period.

    A remortgage process can take several weeks to complete, depending on factors such as the complexity of your application, the efficiency of the lender, and the availability of required documentation.

    Yes, remortgaging can allow you to release equity in your home, which you can use for purposes such as home improvements, debt consolidation, or other investments.

    Loan-to-value ratio is the ratio of the mortgage amount to the appraised value of the property. It’s important in remortgaging because it affects the interest rates and terms offered by lenders.

    Yes, you can switch from an interest-only to a repayment mortgage when remortgaging. However, lenders may have specific criteria for such switches, and it’s advisable to seek advice from one of our mortgage advisor.

    When you remortgage, your new lender pays off your existing mortgage, and you start making repayments to the new lender according to the terms of the new mortgage.

    A remortgage advisor is a qualified professional who can provide guidance and assistance throughout the remortgaging process. While not mandatory, using a remortgage advisor can help you find the best deal and navigate complex mortgage options.

    Yes, you can remortgage if you’re self-employed, but you may need to provide additional documentation to verify your income, such as tax returns and accounts.

    Porting a mortgage allows you to transfer your existing mortgage deal to a new property. Whether you can port your mortgage when remortgaging depends on your lender’s policies and the terms of your mortgage agreement.

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