If you’re a landlord, it’s likely you’ll need a buy-to-let mortgage. Whether you’re a seasoned investor looking to expand your portfolio or first-time landlord, our expert advisers at dot financial services can help you to find the right deal.
Investing in property is a long-term commitment. It’s important to find a mortgage product that means your income will cover your repayments. Remember to take typical costs and charges into account when weighing up your options.
Could you remortgage to a better rate?
Our mortgage advisers can guide you through the buy-to-let options available in order to find a product that will suit your financial circumstances. We’ll compare a wide range of buy-to-let mortgages so you don’t have to and we won’t stop until we find you the perfect deal.
- 1. How much could you borrow?
Once you pinpoint your investment property, use our mortgage calculator to work out how much you could borrow.
2. Start your application
Speak to one of our expert mortgage advisers to understand which plan could suit your needs. With thousands of mortgage products from over 90 lenders, we’ll help you to narrow your search from a wide range of options. We offer appointments in your local branch or over the telephone at a time that suits you.
- 3. Agreement in Principle
An Agreement in Principle (AIP) helps you to understand how much you could borrow and the kind of property you can afford. Most estate agents will ask for an AIP. It should only take 15 minutes.
- 4. Find your perfect property
We work with Nick Dunning Associates, a rapidly expanding property group, who have access to a huge range of properties available to buy now. Whether you’re looking for a new build apartment or large family home, they offer a wider range of beautiful properties just waiting for a new owner.
- 5. Put in your offer and accept
There’s so much to remember when buying an investment property. We will help you liaise with your mortgage provider and solicitors to streamline to whole process, bringing you even closer to sealing the deal.
- 6. Complete and move in
Once you’ve exchanged contracts, you’re free to start searching for your tenants! Contacts our specialist lettings team to find the perfect people to look after your property.
- 7. Protecting your future
Our service doesn’t stop there. We’ll find a protection plan that provides you with the peace of mind that you will be able to keep up your mortgage payments should your circumstances ever change.
There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.
Your property may be repossessed if you do not keep up repayments on your mortgage.