If you’re thinking of buying a property as a means to make income, one of the options you may be considering is becoming a landlord. If you’re looking to take the plunge, a buy to let mortgage broker can help get the ball rolling and find a loan that works for you.
At Agentis, we’re proud to be able to offer fantastic mortgage rates and professional, friendly advice that works for our clients. We can give you access to the whole market, and you could even benefit from an exclusive deal that you won’t find anywhere else.
Whole of Market Advice
Below are some of the lenders we deal with, however we have access to the whole of the market, including exclusive deals that you won’t be able to find yourself.
Am I Eligible for a Buy to Let Mortgage?
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
There are some eligibility criteria specific to buy-to-let mortgages. For instance, you need to already own a property either outright or with a mortgage in order to qualify. You will also need to earn over £25,000 a year.
Our team of buy to let mortgage advisors can help determine whether you are eligible and how much you can comfortably afford. We’ll guide you through the process and help you get the best rate for your circumstances.
There are also specific terms and conditions which we can discuss with you. Contact us today to learn more.
Can I live in my buy-to-let property?
The short answer to this is no. A buy-to-let mortgage is exclusively designed for landlords who let out the property to tenants. In most cases it will state in your contract that the property cannot be used as your primary residence.
Should you need to move into the property you will need to notify your mortgage lender of your change in circumstances and they may require you to change the mortgage to a residential one.
Failure to declare that you have moved in could result in you having to repay your mortgage.
Can my property be repossessed?
Yes – as with any mortgage, if you do not keep up on repayments your property could be repossessed.
Will I have to pay income tax?
Any income you make from renting buy-to-let property should be declared on your Self Assessment tax return as it is liable for income tax. However, you will be able to offset your income by filling out any related expenses such as landlord agent fees.
Are buy-to-let mortgages regulated by the Financial Conduct Authority?
No – they are not.
How much does your mortgage advice cost?
Our mortgage advice is free of charge. If you decide to choose a mortgage through us, there may be an arrangement fee. This will depend on your circumstances but typically costs £595.
To find out more about buy to let mortgages, please feel free to contact us today and our advisors will be happy to have a chat with you.
Why Choose Agentis?
- Our friendly mortgage advisers will offer excellent fee-free buy to let mortgage advice to help you decide if a buy-to-let mortgage is right for you.
- We have access to lenders across the whole market as well as exclusive deals you won’t find anywhere else. That’s why it’s worth chatting to us.
- With over 80 years’ combined mortgage industry experience we offer professional, effective advice with an efficient service.
- As a family-run mortgage broker Peterborough, Agentis provides a personal, friendly touch that you can only get within a smaller mortgage advisor.
What Our Customers Think
Timothy Lawrie2024-04-18I cannot praise Agentis highly enough. Service above and beyond, all done with understanding and friendly know how. AmazingAsher2024-04-18We have just received a mortgage offer on our first property & had the pleasure of Ash Hinds being our mortgage advisor. Ash was very helpful throughout the whole process & was never too busy to answer a query or concern, going over and beyond. As first time buyers we did need a lot of stuff explained to us & Ash was more then happy to do that & make sure we understood the pros & cons of different options. I would definitely recommend Ash to anyone who needs a Mortgage Advisor 5 star service!Sarah Worsley2024-04-17Ash is a fantastic broker, who empathised with my unique situation and was very supportive and encouraging. He secured a very good deal for us, and was always there to answer questions. I would highly recommend him!Agne Rusalovskytė2024-04-15Adam was very helpful as always.Jonathan Knox2024-04-15I recently had the pleasure of working with Josh at Agentis for my remortagage, and I couldn't be more impressed with the service I received. From start to finish, the entire process was smooth, efficient, and incredibly quick. Josh's expertise and professionalism were evident from our very first interaction. He took the time to understand my financial situation and goals, providing personalized guidance every step of the way. His knowledge of the mortgage industry ensured that I got the best possible deal tailored to my needs. What truly stood out to me was the speed at which Josh worked. Despite the complexities involved in securing a mortgage, he made the process seem effortless. Communication was prompt and clear, and I always felt informed and supported throughout. If you're looking for a mortgage broker who is efficient, knowledgeable, and committed to providing exceptional service, look no further than Josh at Agentis. You won't be disappointed. Thank-you.Bob Green2024-04-08Lee was great to work with, always keeping us updated and available whenever we needed. Lee often provided updates before our solicitors and estate agents. He was very knowledgeable and helped explain all steps of the process. I would 100% recommend both Lee and Agentis.Johnsy Raju2024-04-06Caren arranged our first mortgage, and she was fantastic with us! She demystified the entire house buying process for us, which can be a minefield. Caren helped us know how much we could spend on a home and how much of a mortgage we could afford, and achieve. She was able to give us a step-by-step plan, which really helped ease our anxiety. Caren also looked through home reports of homes we were looking into, to let us know of any issues that we might run into - this is very helpful, as the language can be impenetrable! We would recommend anyone looking to buy a home contacting Caren first. Thank you soomuch Caren @agentis for the wonderful help.Nesta2024-04-03We had Adam Long as our mortgage broker. He was amazing from start to finish throughout the entire process. Very good at explaining the whole process, very knowledgeable and professional. We couldn’t recommend a better mortgage advisor! Thanks Adam!Adrian Woolley2024-04-03Caren was informative, contactable and managed to get a mortgage when I feared I couldn’t. Thank you.Jodie Tyers2024-03-27Anton Sgroni was absolutely amazing at sorting out our remortgage. Any problems he sorted out straight away and was able to keep us updated along the way. This is the third time we have used Agentis and we can not fault them! Always a great service and lots of helpful advice and information is provided to get the best deal
Still Have Questions?
Read to find the best mortgage rate for your next buy to let property?
Let us know the best way to reach you and some details about your project, and a buy to let mortgage broker will be in touch with you to talk you through the next steps.
In a hurry? Speak to our team on 01733 367800 to get started today.
Get in Touch
We have access to the whole of the market to enable us to get you the very best deal that meets your needs.
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