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Mortgage & Equity Release - Call Us 0117 403 4474

What is your mortgage for?

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Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.14%
Rate type: Fixed 27 months
Monthly cost: £689.84 per month
Max LTV: 60%
Product fee: £1,999
Overall cost for comparison: 4.4% APRC
Platform logo 1.14% Fixed 27 months 4.4% APRC 60% £1,999 £500 cashback £689.84 per month get quotes Call us0117 403 4474 More details
Initial rate: 1.16%
Rate type: Fixed 26 months
Monthly cost: £691.49 per month
Max LTV: 60%
Product fee: £1,795
Overall cost for comparison: 4.1% APRC
Barclays Mortgage logo 1.16% Fixed 26 months 4.1% APRC 60% £1,795 £691.49 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 1.19%
Rate type: Fixed 27 months
Monthly cost: £693.96 per month
Max LTV: 60%
Product fee: £1,499
Overall cost for comparison: 3.1% APRC
Santander logo 1.19% Fixed 27 months 3.1% APRC 60% £1,499 £693.96 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 1.19%
Rate type: Fixed 26 months
Monthly cost: £693.96 per month
Max LTV: 65%
Product fee: £3,600
Overall cost for comparison: 4.4% APRC
The Mortgage Works logo 1.19% Fixed 26 months 4.4% APRC 65% £3,600 £693.96 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 1.19%
Rate type: Fixed 26 months
Monthly cost: £693.96 per month
Max LTV: 65%
Product fee: £3,600
Overall cost for comparison: 4.4% APRC
The Mortgage Works logo 1.19% Fixed 26 months 4.4% APRC 65% £3,600 £693.96 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 1.21%
Rate type: Fixed 27 months
Monthly cost: £695.62 per month
Max LTV: 60%
Product fee: £1,995
Overall cost for comparison: 4.0% APRC
Birmingham Midshires Solutions logo 1.21% Fixed 27 months 4.0% APRC 60% £1,995 £695.62 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 1.24%
Rate type: Fixed 26 months
Monthly cost: £698.10 per month
Max LTV: 60%
Product fee: £1,999
Overall cost for comparison: 4.1% APRC
HSBC logo 1.24% Fixed 26 months 4.1% APRC 60% £1,999 £698.10 per month get quotes Call us0117 403 4474 More details
Initial rate: 1.24%
Rate type: Fixed 26 months
Monthly cost: £698.10 per month
Max LTV: 65%
Product fee: £3,600
Overall cost for comparison: 4.3% APRC
The Mortgage Works logo 1.24% Fixed 26 months 4.3% APRC 65% £3,600 £250 cashback £698.10 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 1.24%
Rate type: Fixed 26 months
Monthly cost: £698.10 per month
Max LTV: 65%
Product fee: £3,600
Overall cost for comparison: 4.3% APRC
The Mortgage Works logo 1.24% Fixed 26 months 4.3% APRC 65% £3,600 £250 cashback £698.10 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 1.24%
Rate type: Fixed 26 months
Monthly cost: £698.10 per month
Max LTV: 65%
Product fee: £3,600
Overall cost for comparison: 4.4% APRC
The Mortgage Works logo 1.24% Fixed 26 months 4.4% APRC 65% £3,600 £698.10 per month get quotes Call us0117 403 4474 More details Broker Only Deal
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Mortgages For Experienced Landlords

Our Mortgage Service - helping you make the right decision

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. 

As your mortgage is such an important transaction, good advice is imperative.

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Mortgages for Experienced Landlords

If you currently own buy to let property or you have previously been a landlord you may be wondering if there are any specific mortgages for experienced landlords available to you. Whether you have one buy to let property or dozens arranging the right finance for your specific needs is wise, therefore you may wish to shop around providers to see what might be available to you.

Experienced Landlords

Although the exact definition of what makes an experienced landlord may vary between providers the general consensus is that an experienced landlord is: Someone who currently owns a buy to let that has been rented out for at least 6 months on an Assured Shorthold Tenancy.

Other types of borrower an applicant might be categorised as when applying for a buy to let mortgage can include: First time buyer (someone who has never owned any property before) and first time landlord (Someone who owns a residential property, but has never had a buy to let before)

Experienced landlords may find that there are more specialised buy to let mortgages available to them or buy to let products are available with higher Loan to Value (LTV) ratios, this is because lenders perceive experienced landlords as being at a lower risk of defaulting on their mortgage, than first time buy to let borrowers.

Portfolio Mortgages

There is a selection of lenders that offer specialist buy to let portfolio mortgages. These products allow landlords to consolidate any existing buy to let mortgages into one portfolio mortgage. These products typically contain a variety of different interest rates, while still being treated as a single account, despite the fact they contain multiple separate properties, so there is only one Direct Debit Mandate and mortgage statement.

These products allow landlords to spread equity over their portfolio as a whole; however, they may not be the right choice for everyone and should be carefully considered before being taken out.

Mortgage Adviser

While an experienced landlord may have gone through the buy to let mortgage application process numerous times before, they may still wish to think about using the services of an independent mortgage adviser, who can offer impartial advice. Advisers which offer a whole of market service can also use their expert knowledge of mortgages to search across different providers to try and find the right products for their clients. There is also a selection of specialist mortgages that can only be accessed via an intermediary, which could present the best deal to certain individuals.

To see if Fair Mortgages could help you, you can use the online contact form on this page to request a call back from a Fair Mortgages adviser. Alternatively you can call directly on: 0117 403 4474

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