Expert advice

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Make your money work harder for you

Over the past years we have seen some significant changes in this area and we have been advising investors and landlords on maximising yield from property purchases for BTL.

Investing in property has become a very popular way for people to make their money work harder for them. It is not without work or risk though.

Mortgage Republic have helped hundreds of clients start their property portfolio and build it to a level where in some cases they have been able to retire early and earn through their property portfolio. That level of commitment isn’t for everyone, and as such, whether you are looking for your first buy to let or to expand a larger or growing portfolio we are here to help.

Working with first time investors is a passion of ours. We will not only help you find the right mortgage for you, we will also help you find the right property in the right area that will rent very well. With higher yields and fewer void periods. We have years of experience in advising buy to let investors and we are confident that we can provide an all round service to build confidence with your first BTL investment purchase.

New tax laws surrounding buy to let income have meant now more than ever it is important to make sure you are not paying too much for your buy to let mortgages. We will stay in touch with you throughout the course of your deal, ensuring you’re on the best deal available, particularly when your current deal is about to expire.

We work very closely with those who chose to purchase their buy to let properties via a limited company structure. Mortgage Republic have an expert team who will guide you through the process of securing a mortgage within a special purpose vehicle, designed to hold property for renting. This market sector has expanded over the last couple of years, and has become a popular way for buy to let investors to acquire property.

If following detailed tax advice, it would be prudent to incorporate your current portfolio, we are able to help with the financing requirement of this transaction.

Recent regulatory changes bought in to the sector by the Prudential Regulation Authority [PRA] have now placed further focus and regulation around overall affordability on landlords who hold 4 or more mortgaged buy to let properties. Portfolio landlord lending will require a much more in depth analysis of an applicant’s overall financial situation. Documents such as a full portfolio schedule, a business plan and cash flow forecast- as well as full assets and liability statements are now expected.

We are able to deal with property investors from all over the UK, Our online portal allows our clients to create an account and complete our “fact find” online. We can then receive your documents via an upload system or email, and electronically identify you for money laundering regulations. Wherever you are based, or wherever your investment area may be, Mortgage Republic are well placed, and experienced within the buy to let sector to ensure you get the right buy to let mortgage for your requirements.

Mortgage Republic are specialists in dealing with multi let, and HMO mortgage applications. These may be for purchase or remortgage, and we will use our expertise to navigate you through the process of applying for lending, and securing the required funding. HMO investments have become increasingly popular in the market place as rental yields strain under the pressure of ever increasing house prices, and savvy landlords look for ways to maximise their capital investment. Our team are experienced experts in advising the right products for your requirements to ensure that you are able to fully maximise the potential income of your HMO property investments.

Another very popular route for property investors is to buy freehold properties which contain multiple units within them. This is proving another very efficient way to maximise the net income from the capital outlay. Dealing with anything from two units on one freehold all the way up to over ten, Mortgage Republic are specialists in this sector. We have the experience to guide you through the mortgage process, which can be more complex with properties such as these.

It’s now very important that you speak with a tax specialist regarding any buy to let purchase or current portfolio. We are not tax advisors, and therefore we recommend you speak with Tom Butterworth at Butterworth Accountants & Tax advisors in Needham Market, Suffolk about your personal tax situation.

Butterworth Accountants & Tax advisors do not remunerate Mortgage Republic in any way for this recommendation.

Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

Request a call back

Our team are on hand to give you a call to discuss your needs and source a mortgage that works for you. Simply fill in the form and we’ll be in touch!

 There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £495 payable on application.
Your home may be repossessed if you do not keep up repayments on your mortgage.

You may have to pay an early repayment charge to your existing lender if you remortgage.

Mortgage Republic Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

Registered Office: Mortgage Republic Ltd, 26 Byron Avenue, Dereham, Norfolk, NR19 2GW.

Registered Company Number: 10115326 Registered in England & Wales
Copyright © 2018 Mortgage Republic. All rights reserved.

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