BUY TO LET MORTGAGES
Working with you to achieve your goals
There are many factors to take into account when financing a rental property, whether you're an experienced Landlord or new to the Buy-to-Let market.
We'll work closely with you to understand your goals - you might be aiming to generate an income or achieve growth, then put a plan in place to help ensure you reach them.
The Financial Conduct Authority does not regulate buy to let mortgages.
WHAT DOCUMENTS WILL YOU NEED?
Lenders need some documentation from us to help demonstrate that you can afford the mortgage we request. If you can prepare the following documents (electronically is fine) it will save time and ensure a smooth process.
ID
Scanned copy of your Passport or Driving Licence
PROOF OF ADDRESS
Recent Utility Bill, Council Tax Bill or Bank Statement
PROOF OF INCOME
Employed Clients - Latest 3 Monthly Payslips and Latest P60
Self Employed Clients
Latest 2 Years Accounts, or
Latest 2 Years HM Revenue & Customs (HMRC) Tax Calculation accompanied by corresponding Tax Year Overviews
BANK STATEMENTS
Latest 3 Full Months Bank Statements - showing both salary credits and outgoings (direct debits, standing orders etc)
EXISTING BUY-TO LET PORTFOLIO (IF APPLICABLE)
A spreadsheet with basic details about the property, rental income and mortgage help provide an overview of your portfolio
PROOF OF DEPOSIT (IF APPLICABLE)
Bank / Savings account statement showing gradual build up of funds
REVIEWS FROM OUR CLIENTS
Great service provided by Mark who made switching my mortgage ever so simple, gave me options and discussed it all step by step so that i always knew what was going on. He was recommended by a friend and I would highly recommend him to mine now.
Takes the hassle out of doing it yourself. Mark dealt with all providers, obtained the best deal and all I had to do was sign a few papers and now I have a new mortgage deal in place.
O Parsons
D Gurnhill
WHERE TO FIND US
13 Aurum Close, Whitstable, Kent. CT5 3FN
Email: enquiries@mhcmortgages.co.uk
Tel: 01227 807087
What you need to know
There may be a fee for arranging a mortgage, typically £199, payable prior to your mortgage application.
Your home may be repossessed if you do not keep up repayments on your mortgage. Some buy to let mortgages are not regulated by the Financial Conduct Authority.
The guidance and/or advice contained within this website is subject to the UK Regulatory Regime and is therefore targeted at consumers in the UK.
MHC Mortgage & Protection Ltd is an appointed representative of Quilter Mortgage Planning Ltd, which is authorised and regulated by the Financial Conduct Authority. Quilter Mortgage Planning Ltd is entered on the FCA register under reference 440718.