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If you are in the market for enquiring about expert buy to let mortgage advice in Newcastle, we truly believe that speaking to our expert team of mortgage advisors in Newcastle will be of benefit to you.
Regardless of if you are new looking into the world of buy to let landlord investments or if you already have an expansive property portfolio, you can rest assured that you will always receive the same high standard level of service that our mortgage advisors in Newcastle strive to provide.
With our strong reputation as an experienced mortgage broker in Newcastle, we have helped a wide range of property investors in obtaining their buy to let mortgages.
Our team of trusted mortgage advisors in Newcastle will analyse 1000s of different products to identify the best mortgage deal for your new venture in investment purchases and the buy to let mortgage market.
If you are looking to purchase your buy to let property through a limited company (Special Purpose Vehicle), our dedicated mortgage advice team is equipped to discuss your mortgage options. We have a wealth of experience in the buy to let mortgage market.
For a discussion on the potential taxation benefits, we recommend seeking the guidance of an experienced tax advisor who is qualified to provide specialist advice on the topic.
In addition to typical residential buy to let mortgages in Newcastle, our team is knowledgeable and able to provide guidance on HMOs (House of Multiple Occupancy) and holiday lets should you require advice on those topics.
Throughout our years as a dedicated mortgage broker in Newcastle, we have encountered a wide range of mortgage scenarios and circumstances.
For established landlords who have already built a portfolio of properties in buy to let mortgages in Newcastle, there may be opportunities to further invest their time and resources.
In such cases, they may choose to remortgage a property from their portfolio to release equity. This is typically done as a means of funding a deposit for another portfolio purchase.
Not all mortgage lenders are willing to accept applicants who apply for a mortgage through a limited company or special purpose vehicle.
That said, there are still some mortgage lenders who are willing to work with such cases.
For existing landlords looking to expand their buy-to-let portfolio through a limited company or SPV, it is considered a specialist topic.
Therefore, we recommend booking an appointment with a specialist mortgage advisor in Newcastle to explore the available options.
HMO, or House of Multiple Occupation, is a property typically occupied by five or more people, such as student housing or house shares.
Finding a mortgage for such a buy to let in Newcastle can be challenging as not every mortgage lender offers deals on HMOs.
If you are considering a mortgage for a buy to let in Newcastle as an HMO, we highly recommend having a conversation with a specialist mortgage advisor in Newcastle in advance.
We understand that homeowners may experience various buy-to-let mortgage scenarios.
You may be a first time buyer in Newcastle planning to invest in a buy to let in Newcastle, or a seasoned investor with complex mortgage needs.
Whatever your situation, we are here to provide expert assistance from our buy to let specialists.
Book a free mortgage appointment online today to get a second opinion or further assistance on anything related to a buy to let mortgage in Newcastle.
As an experienced buy to let mortgage broker in Newcastle, our top priority is to provide our customers with comprehensive support and guidance throughout their entire mortgage journey.
Our team of dedicated mortgage advisors in Newcastle is available seven days a week, at a time that suits your schedule.
We understand that the buy to let mortgage market can be complex, which is why we work tirelessly to ensure that we overcome any hurdles that may arise during the process.
At Newcastlemoneyman, we have a team of highly experienced mortgage advisors in Newcastle who specialise in the buy to let mortgage market.
With our in-depth knowledge, we strive to provide our customers with the best potential deals that meet their specific requirements.
We have worked with a wide range of mortgage cases and have established long-term relationships with landlords who continue to rely on us for their mortgage needs.
We are committed to staying up to date with the latest buy to let legislation and lending criteria to provide our customers with current, transparent, and honest mortgage advice in Newcastle.
Your assigned mortgage advisor will be dedicated to you and your case, guiding you through every step of the process until your buy to let mortgage transaction is completed.
Our ultimate goal is to make the mortgage process as stress-free as possible for our customers, ensuring that they understand every aspect of the process without the burden of jargon.
You can take a look at some of our genuine customer reviews to get an idea of why so many landlords choose us for their buy to let mortgage needs.
We welcome you to contact us for expert buy to let mortgage advice in Newcastle, whether it’s your first mortgage or expanding your portfolio.
5.00 Rating15 Reviews
Sikandar
Matt has been amazing. He not only found me the cheapest mortgage but also made sure that the offer is secured quickly. He remained in close contact advising me at every step of the process. He also helped me in negotiations with the vendor’s...
Anonymous
Helped us to find a reasonable deal but also requested a better one when the lender reduced their rates
Steven
Fantastic service and had our mortgage approved within a week of our first call! Chris and Jo were a pleasure to deal with and available to chat at a moment's notice, even at weekends. The process was incredibly smooth and any recommended...
Grace
Matt gave us really good advise, which helped to give us the confidence to proceed with purchasing our first home. Once we had an offer in we were quickly shown the best mortgages to apply for, life insurance/critical illness insurance, and we were...
Lois
Brilliant service as always. Thank you guys 🙏 🏡
Anonymous
Both Jason and Chole were very helpful in helping me and my partner secure a mortgage despite having trouble getting one in the past.
Michael
Great response and very friendly service. Very helpful.
Jacqueline
My experience with this company has been great and I highly recommend them. From the initial stages through to getting the offer, everyone I spoke with was informative, professional and friendly. Tom and Jonathan really helped with the initial...
Sunna
I have spoke to Arron today, I have received excellent customer service. He listened me carefully and answered all my questions promptly!! Good adviser.
Lydia
Amazing! UK moneyman were there every step of the way. Making sure I understood everything and taking the stress out of buying your first house. They were very responsive to emails, calls and gave excellent customer service. 10/10 could not fault...
Kevin
All staff, very efficient,communication excellent and found us a great deal on our mortgage as my credit rating wasn’t great.Thankyou very much Leo and Newcastle moneyman.
david
Being self employed it was hard to get a mortgage!but thanks to Newcastle money man I’ve got one !!!thanks again would definitely recommend them!👍
Harley
Professional service from start to finish. Very helpful with all of the questions I was throwing at them also. Would recommend 100% and we feel we for the prefect product mortgage for us. Thank you guys!
Darla
Great advice from start to finish. I had only dealt with a Broker via Estate Agents before so it was a little different to do everything over the phone but much better really because I was able to speak to someone late into the evening after I had...
Darla
we just used this mortgage brokers for a mortgage on our new house. right from the initial phone call, the service received was very swift and carried out by professional yet very caring people. they made sure that every detail was done to the...
Though the amount needed can vary between 20%-40%, the minimum deposit for a buy to let mortgage is typically 25% of the property value. Newcastlemoneyman, your Buy to Let Mortgage Advisor in Newcastle is here to help with any further questions that you may have.
Your free mortgage consultation in Newcastle will last approximately about one hour. We will then recommend a mortgage for you, where you have no obligation for you to proceed and then it is your choice whether or not you wish to proceed with the mortgage.
As your Mortgage broker in Newcastle, we will carry out a Fact Find with you to establish your personal & financial 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, you can then be issued a formal mortgage offer.
To avoid possible disappointment, we would highly suggest that you obtain an Agreement in Principle before you begin viewing a potential new home in Newcastle. At the very latest you should try to obtain one prior to making any offers to help with your bargaining position.
The standard for how long an Agreement in Principle will last is between 30 and 90 days, depending on the lender used. If your Agreement in Principle expires it can be easily refreshed with the help of your advisor.
You may have the option to get a second mortgage on your home in Newcastle for something like debt consolidation or home improvements. It may also be possible for you to take out a mortgage on a second property if you’re looking to potentially use it for yourself, a family member, a holiday home or a Buy-to-Let. If you require the help of a Specialist Mortgage Advisor in Newcastle, we are more than happy to have a chat about your options for a second mortgage.
If you have had credit problems you may still have some options to get a mortgage but this require extra steps, such as being asked to put down a higher deposit than usual, potentially 15% of the property purchase price. If you are having difficulty in trying to obtain a mortgage because of past credit problems, please feel free to get in touch with your Mortgage Broker in Newcastle and we will see how we are able to help!
Once you have submitted at least one year’s accounts, you will be able to begin your mortgage process in Newcastle. Most lenders will use a sum of salary plus dividend to calculate the maximum mortgage, whereas others are known to use your net profit.
You’ll find that the lenders will usually want to see three payslips from an employee to prove their income and the latest 2 years’ accounts for Self-Employed applicants. You will also need to provide the lender with proof of ID, address and 3 months’ bank statements before they will accept you for a mortgage in Newcastle.
Our free consultation will usually last around an hour or so. Our advisors are able to turn round an agreement in principle within 24 hours of your appointment. A formal mortgage offer will on average take about three weeks. Before you know it you will have your mortgage secured in Newcastle.
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.
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.
