Buy to Let Mortgage Northern Ireland
Winner Best Independent Mortgage Advisory N.Ireland 2020
Winner Best Independent Mortgage Advisory N.Ireland 2020
Best Mortgage Broker Belfast 2021
Best Mortgage Broker Belfast 2021
Number 1 rated Mortgage Advisors in Belfast and N.Ireland
Number 1 rated Mortgage Advisors in Belfast and N.Ireland
Top rated Adviser 2021
Top rated Adviser 2021
Winner Mortgage Broker of the Year 2020
Winner Mortgage Broker of the Year 2020
Thinking of investing in the property market? Free Initial Buy to Let Mortgage Advice at The Mortgage Clinic
With savings interest rates so low many people are now looking to the Buy To Let mortgage market to make the most of their capital. The right investment could give you a gross return each year of 5-10% – well ahead of what any bank account could give.
One of the most important parts of making a Buy to Let venture successful is the choosing the correct mortgage advice. Like all property purchases, buying a property to let out carries risks. At The Mortgage Clinic we will help make you fully aware of the financial commitment you are making, and where the risks lie.
We DO NOT charge for our initial mortgage advice!
A Buy to Let mortgage is different to a Residential mortgage, many lenders have different lending criteria which we will discuss during the planning consultation.
- A larger deposit will be required, typically 25%.
- Rental income must be enough to cover the mortgage interest payments and some costs. It is likely you will need a monthly rental amount of at least 125-145% of the mortgage payment.
- Fees on a Buy to Let mortgage can be higher than a Residential mortgage.
Before you even start viewing prospective properties come to see us at The Mortgage Clinic where we can guide you through the process during a Free Buy to Let Mortgage Planning Consultation.
No need for you to check all the banks and building societies yourself – we can do this for you, all under one roof! Because we work with all the major UK lenders, as well as the local ones, you can be sure of independent mortgage advice, best suited to your needs. Each lender has their own lending criteria but our expert knowledge will make sure we find a solution that is matched to your own specific circumstances.
We will review your credit report which is the first hurdle to get through when you’re borrowing money of any description – whether it’s a mortgage, credit card or personal loan.
We will gain a mortgage ‘Agreement in Principle’ for you so you can be sure you can get the mortgage you require.
You will leave the Planning Consultation knowing how much you can borrow, how much it is likely to cost and what documents you need to start gathering together – ready to find your new investment property!
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Why Choose Us
We are the Number 1 reviewed (five star) ★★★★★ Mortgage Advice company in Belfast and beyond by Google. Contact us today for trusted advice.
We are familiar with the lending criteria for all of the major lenders, we look out for pitfalls and problems on your behalf and increase your chances of having a successful mortgage application .
We offer independent advice, and can find you the best deals available for your circumstances!
Book your free Initial Mortgage Planning Consultation
And then what happens?
- You view the properties you’re interested in, within the budget we have agreed
- Have a bid accepted and get your property ‘sale agreed’
- We check again for the best mortgage deal that’s right for your circumstances
- We complete your mortgage application
- Property valuation is carried out by the chosen mortgage lender
- The lender issues a mortgage offer
- In the meantime your solicitor will have been working in the background making the necessary checks etc
- Completion date agreed
- Collect your keys and get ready to find a tenant for your new property
Buy to let mortgages are not regulated by the Financial Conduct Authority
Your first meeting is FREE of charge.
If you instruct us to work on your behalf there will usually be a research and implementation fee. The actual amount you pay will depend upon your individual circumstances but a typical fee is £250 and this is payable when you instruct us.
FROM OUR CLIENTS
“Cannot recommend this mortgage adviser highly enough. I came across Helmut’s website after searching online, and I am so pleased that I made contact. Being a first time buyer, I was apprehensive about the options available to me. My first point of contact in looking into a mortgage was with my own bank, I then compared this to a few other highstreet banks, but I was not pleased with the options that they were offering. When I first met with Helmut, I explained my financial position to him and he was confident that he could assist me. He found several mortgages that I was eligible for, and they were at a considerably different amount than the banks offered me initially.” read more..
“As a first time buyer I was nervous about the house buying process. Helmut, mortgage advisor Lurgan at The Mortgage Clinic made the whole thing stress free and was very efficient with every detail. He organised both my mortgage and insurances, providing great mortgage advice and getting the best deals for me. I would like to thank Helmut for being so accommodating when meeting me and so meticulous meaning I didn’t have to worry about anything. I would definitely recommend anyone to use this service for Mortgage advice Lurgan“
“We sourced Helmut Elstner as our mortgage adviser. We were first time buyers and very new to the process. Helmut from The Mortgage Clinic was able to provide the guidance we needed and process all information in our home and at times that suited us. He was always in constant communication and was able to find us the best mortgage deals available in a very short space of time. His advice fee was very reasonable compared to any other mortgage adviser we had met. The mortgage he suggested was perfect for what we needed. The process felt much easier with Helmut on side and proceeded at a great pace. We would advise anyone to use Helmut from The Mortgage Clinic for any mortgage or financial needs, a five star service!”
“I would highly recommend The Mortgage Clinic to anyone. Helmut dealt with my first mortgage and then re-mortgage in a very professional and efficient manner. Dealing with an independent mortgage advisor gave a flexibility to pick tailored product that worked for me. Helmut brought to my attention details I would have never considered and saved me a lot of money and hassle.
I felt well looked after and that my needs were the priority. The best mortgage advisor I have ever came across and I have high confidence in his services.
Thank you !”