Finding the ideal property and securing competitive mortgage rates are essential steps for successful property investment. As a dedicated buy-to-let mortgage broker, we understand the unique needs of investors, from budget constraints to specific requirements.Â
Our expertise ensures you access the best buy-to-let mortgage rates and guidance tailored to your goals. Whether you are a first-time landlord or an experienced investor, we’ll help you navigate the market and achieve the perfect financial foundation for your investment.Â
Trust Mortgage Knight to make your property investment journey smooth and successful.
Benefit from interest-only options and adaptable lending terms designed to suit your specific investment needs.
Access deals that prioritise long-term sustainability, ensuring your investment remains profitable over time.
We provide expert assistance in comparing consumer buy-to-let deals, helping you find the most advantageous options.
Explore larger loan options, including ‘top-slicing’ for wealthier borrowers and affordability-based mortgages.
Find mortgage solutions crafted for non-homeowners, with schemes available for first-time landlords.
Consider allowable options for guaranteed rental schemes, providing added security to your investment.
Lenders will assess the expected rental income from your property to determine how much you can borrow. They’ll ensure the rental income covers the mortgage payments with a cushion to account for potential void periods or maintenance costs. Your personal income is also reviewed to ensure you can cover the mortgage in case of shortfalls.
Buy-to-let mortgages generally require a larger deposit than residential mortgages. A minimum deposit of 15-20% of the property’s value is typically needed, though this can vary based on the lender’s criteria and your financial circumstances. The larger your deposit, the more favourable the mortgage deals you may be able to access.
We turn your property ambitions into reality with our unparalleled expertise and dedication. Here’s how we streamline the process and ensure you get the best possible outcomes:
Access to a broad range of exclusive and semi-exclusive mortgage products not available directly.
We cut through the red tape by engaging directly with decision-makers to expedite your application.
Our meticulous case management team ensures every detail is covered to prevent surprises and streamline your application.
From paperwork to completion, we handle the complexities so you can focus on expanding your property portfolio.
When exploring buy-to-let mortgages, you’ll encounter a range of options, each with its own features and benefits. Most buy-to-let mortgages are interest-only, meaning you pay only the interest each month and settle the balance at the end of the term, typically through the sale of the property. Here are the common types of interest-only buy-to-let mortgages:
An often higher, flexible rate that can change at the lender’s discretion, typically applied after an introductory rate period ends.
An introductory rate that remains constant for a set number of years (usually 2, 3, or 5), after which it usually reverts to the SVR.
Offers a percentage discount on the SVR for an introductory period, which fluctuates with changes in the SVR.
Moves in line with the Bank of England’s Base Rate plus a set margin, changing as the Base Rate adjusts.
At Mortgage Knight, we understand the unique challenges contractors face when securing a buy-to-let mortgage. Contractors often have irregular income streams and contract-based work, making it difficult to meet the consistent income proof required by traditional lenders. Our expert team is dedicated to navigating these complexities, offering bespoke mortgage advice designed to fit your specific financial situation.
We work with lenders who recognise the value of your work history and income potential, ensuring you get access to the best mortgage deals. Our in-depth knowledge of the contractor income model allows us to recommend suitable mortgage products and secure favourable terms and rates. From initial consultation to final approval, we provide comprehensive support, ensuring a smooth and informed mortgage application process tailored to your needs.
