Buy to Let Mortgage Advice in Newcastle

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Buy to Let Mortgage Newcastle

If you are in the market for expert Buy to Let Mortgage Advice in Newcastle, we believe that you will benefit from speaking to our team of dedicated Mortgage Advisors.


No matter if it’s your first time taking the dip into the world of being a landlord or if you already have an expansive property portfolio, you will always receive the same high standard level of service that our mortgage advisors always work hard to provide.


As an experienced Mortgage Broker in Newcastle with a strong reputation in the area, we have worked with a wide variety of investors in helping them to obtain great buy to let mortgages.


Our trusted team of mortgage advisors will take a look through 1000s of different products to find the perfect mortgage deal for what you’re looking to do with your new venture into the world of investment purchases and the buy to let mortgage market.


Perhaps if you are looking at the routes available to you for purchasing your buy to let property through means of a limited company (Special Purpose Vehicle), our dedicated mortgage advice team will be able to have a discussion with you about your mortgage options. We are very experienced of working within the buy to let mortgage market.


If you are to potentially discuss and compare taxation benefits, this is something that ideally you will need to have a talk through with an experienced tax advisor, as they are the correct and most qualified to talk about this specialist topic with you.


In addition to the typical residential buy to let mortgages in Newcastle, we also have an extensive knowledge on and are able to help with HMOs (House of Multiple Occupancy) and holiday lets, if you require any mortgage advice regarding one of those topics.

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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Fast & Friendly Buy to Let Mortgage Advice in Newcastle

Throughout our time as a dedicated Mortgage Broker in Newcastle, we have come across a large range of different mortgage scenarios and circumstances.

Remortgage a Buy to Let in Newcastle

Any existing landlords who have already developed their own portfolio of properties in the buy to let market may look for further opportunities to invest their time and resources into.


For cases like these, these types of investor may have the option to remortgage a property from their portfolio for a release of equity.


Typically we find that this occurs as a means of releasing funds for a further portfolio purchase deposit.

Limited Company Mortgages / Special Purpose Vehicles (SPVs)

You’ll find that not all mortgage lenders out there are willing to accept an applicant who is applying for a mortgage via the route of a limited company or special purpose vehicle.


It is important to remember though, that the option isn’t completely at a dead end, as there are still a selection of lenders who have no issues working with this type of case.


For any existing landlords who are currently looking to expand their buy to let portfolio via the routes of a Limited Company or Special Purpose Vehicle (SPV), it is considered to be a very specialist topic.


With this in mind, we firmly believe that it would be within your best interests to book an appointment with a specialist Mortgage Advisor in Newcastle, to see what is available to you.

HMO Mortgages in Newcastle

A HMO is the abbreviated name of a House of Multiple Occupation. These types of property are typically occupied by five or more people. The most commonly recognised examples of these, are either Student Housing or House Shares.


Finding a mortgage for this type of buy to let property can sometimes be quite a challenging one, as not every lender will offer deals on HMO’s.


If you’re considering your options of applying for a mortgage for your buy to let property as a HMO, we would highly suggest having a conversation with a specialist mortgage advisor in Newcastle in advance.

Buy to Let Mortgages in Newcastle

We understand that homeowners will experience a wide variety of different buy to let mortgage scenarios. In some cases, you could be a first time buyer with plans to make buy to let investments and become a landlord.


In other cases, you could be faced with a complicated mortgage situation that requires expert assistance from a buy to let specialist.


To gain a second opinion or further assistance on anything relating to the buy to let mortgage market, book yourself a free mortgage appointment online and speak to a trusted and experienced mortgage advisor today.

Buy to Let Mortgages Newcastle

As a Buy to Let Mortgage Broker in Newcastle, with a wealth of knowledge and experience in the world of mortgages, we always do everything within our power to make sure that our customers receive help and guidance through every step of their mortgage process.


Our dedicated mortgage advisors in Newcastle have availability seven days a week, at any time that suits your lifestyle and work life. Buy to Let mortgages always tend to be a little more complicated than we would like them to be. We will work hard to try and push you over any potential hurdles that may come up during your journey.


Here at Newcastlemoneyman, we have a long-standing team of Mortgage Advisors in Newcastle, all of whom have an in-depth understanding of the buy to let mortgage market, utilising what they know to get you the best potential deals that they can.


We have worked with buy to let mortgages for a long time, experiencing all kinds of mortgage cases and forming lasting relationships with landlords who come back to us for additional mortgage support, helping them to find the best mortgage for their situation and what they are looking to achieve.


We always do our best to ensure that we are as up to date as we possibly can be with the most recent buy to let legislation and lending criteria, which can allow us to provide all customers who get in touch with up-to-date, open and honest mortgage advice in Newcastle.


Your assigned mortgage advisor will be dedicated to you and your case, working alongside you from the start of your process, all the way through until your buy to let mortgage transaction completes.


Our company aim is to ensure that all of our customers are given a clear and simple process, free from jargon and as stress-less as it can be, from the first point of contact, all the way through until the end of your mortgage process.


Feel free to take a look at some of our genuine customer reviews and gain an understanding of all the different reasons why so many landlords get in touch with us for expert buy to let mortgage advice in Newcastle for their first mortgage, as well as come back for further mortgages on the rest of their portfolio.

Reviews Stars5.00 Rating12 Reviews

Common mortgage

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.

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.

Handy quick links & Newcastlemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

© 2022 Newcastlemoneyman

Newcastlemoneyman – Clavering House, 1 Clavering Place, Newcastle Upon Tyne, NE1 3NG.

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