Buy to let mortgages are a relatively recent phenomenon. Prior to 1996, commercial mortgages were used to finance residential investment property. Established in 2002, Your Choice Mortgage Services Ltd has over a decade of experience in helping Clients who are new to the rental market as well as existing portfolio owners to maximize their returns. We offer impartial advice and can recommend the right mortgage to suit your needs.
As independent mortgage brokers we can offer you exclusive and semi-exclusive buy to let mortgages from specialist lenders not available on the high street. We also have access to the whole market which is an important factor when finding the right buy to let mortgage for you.
Because of our established relationships with lenders we are often able to offer our customers preferential processing treatment which helps you to get your buy to let mortgages application processed more quickly and efficiently than usual.
As well as fixed rate mortgages, discounted rate mortgages, and lifetime tracker mortgages, we can also source buy to let mortgages for particular property types including HMO's (House in multiple occupation), multi-unit properties owned on a single freehold and multi-let properties that do not require an HMO (House in multiple occupation) licence.
There are so many different formulas used by the different Lenders to calculate what you can borrow based on the rental income that can be confirmed currently. For this reason we are happy to provide a break down for you of how this will impact on your specific project.
To discuss your requirements call us on 0800 3893796 or 01483 419288. Alternatively request a call from us by completing our contact form.
Please be aware that from 6 April 2016 higher rates of stamp duty land tax were applicable to the purchase of additional residential and non-residential properties. The full detail can be found via the following gov.uk website:
YOU ARE NOW DEPARTING FROM THE REGULATED SITE OF YOUR CHOICE MORTGAGE SERVICES LTD. NEITHER YOUR CHOICE MORTGAGE SERVICES LTD NOR TENETLIME LTD NETWORK CAN BE RESPONSIBLE FOR ANY CONTENT CREATED AND PUBLISHED SOLELY BY A THIRD PARTY OUTSIDE OUR REGULATED SITE.
A MORTGAGE IS A LOAN SECURED AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE MOST FORMS OF BUY-TO-LET MORTGAGE.
What do you want your conveyancers to be able to offer you?
Home Buyer's Protection is designed to protect you when buying a house by covering your expenses should the purchase not proceed for various reasons.
We offer a comprehensive range of mortgage products from across the market. We offer both first and second charge mortgage, but not deals that you can only obtain by going direct to a lender. The Lenders detailed below represent a selection of the Lenders we have access to.