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Buy to Let Mortgage Advice in Lincoln

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01522 581399

We Search 1000’s of Buy to Let Deals
to Save you Money!

Whether you are a first-time landlord or an experienced property investor, looking at a purchase or remortgage, we can help you through the whole process.

 

We have arranged hundreds of buy to let mortgages for our clients and have helped them build up property portfolios, providing a basis for income generation and/or capital appreciation as part of their retirement planning.

 

In recent times the buy to let industry has gone through some major changes, our mortgage advisors are very experienced in the buy to let field, keeping up to date with all the latest legislation and criteria changes. Making sure that we source you the best mortgage for your individual circumstances.

 

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Buy to Let Mortgages | Popular Situations

  • Are you thinking of buying an investment property for the first time?
  • Are you looking to expand your current property portfolio?
  • Would you like to remortgage to raise capital?
  • Are you looking for to remortgage your buy to let property to a better deal?
  • Are you looking to purchase through a Ltd company / special purpose vehicle?
  • HMO Houses of Multiple Occupancy
  • Unusual or Complex situations

 

We work with a large number of mortgage lenders, including a lot of specialist lenders. Our mortgage advice team have in-depth knowledge of all their different lending criteria.

Buy to Let Mortgages Lincoln

  • Free no obligation mortgage consultation for all customers.
  • Our expert buy-to-let mortgage advisors are here 8am – 10pm to answer all of your questions. Getting through to an advisor will never be a problem.
  • We can search 1000’s of buy-to-let mortgages to find you the best deal for your circumstances.
  • We offer telephone buy to let mortgage advice in Lincoln.

 

 Get in touch with us today and make a date for your free mortgage consultation.

What our customers say

Common mortgage
questions

The amount required can vary somewhere between 20%-40%, the standard minimum deposit for a buy to let mortgage is usually 25% of the value of the property.

Your free mortgage consultation in Lincoln will generally last around 60 minutes. An advisor will then recommend a mortgage for you, with no obligation for you to go forward. You are free to decide whether or not you wish to proceed with the mortgage in question.

As a dedicated and experienced mortgage broker in Lincoln, we work on your behalf. We will carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for your circumstances. A credit check will then be required for you to obtain an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued to you by the lender.

To avoid any kind of possible disappointment, we would definitely recommend that you obtain an Agreement in Principle before you begin viewing properties in Lincoln. At the very latest you should obtain one prior to making an offer, as it is free of charge and can put you in a much better bargaining position down the line.

An Agreement in Principle will usually lasts for anywhere between 30 and 90 days depending on the Lender that is used. If your Agreement in Principle expires it can always be refreshed with the help of your mortgage advisor.

It may be possible to get a second mortgage on your home if you’re looking to do Debt Consolidation or Home Improvements. You may also find that it’s possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

If you have had any type of credit problems in the past, you can still get a mortgage but you may possibly be required to put down a higher deposit than expected, perhaps 15% of the properties purchase price.

Once you have submitted at least one year’s accounts, you are then eligible for a mortgage. Most Lenders will be using your salary plus dividend to calculate the maximum mortgage, whereas others have been known to go off your net profit.

It’s usually three payslips that a lender will need to see for an employee to prove income and the latest 2 years’ accounts for Self Employed. You will also need to produce proof of ID, address and the last 3 months’ bank statements.

The general amount of time that your free consultation with an advisor will last is around an hour or so. A mortgage advisor can turn round an agreement in principle within 24 hours of your consultation. A formal mortgage offer will take on average about three weeks.

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We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

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UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
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© 2021 Lincolnmoneyman

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