Professional help for landlords new and experienced
Whether you’re a first-time landlord or adding to a large portfolio you may need to obtain a buy-to-let (BTL) mortgage, consult our team for up to the minute product information on BTL or HMO.
We provide Buy-to-Let advice whether you are an experienced investor adding to your portfolio, starting out with your first buy to let or possibly a consumer landlord who has maybe inherited property or thinking about renting out your current home. At White Rose Mortgages we have a team of qualified, friendly and experienced mortgage advisers who will find the most suitable deal from a comprehensive range of mortgages from across the market. Identifying the most suitable BTL mortgage is often not as straightforward as a normal mortgage, key issues arise such as the borrowers experience, rental income, lenders stress tests etc. Arrangement costs and conveyancing fees can also be higher with BTL, our experienced team will steer you through the process to ensure you get the most suitable deal , that’s what we are here for!
House in Multiple Occupation (HMO)
House in Multiple Occupation (HMO) is a property rented out by several people who are not from 1 “household” but share facilities such as the bathroom and kitchen. These are often on individual ASTs (Assured Shorthold Tenancies). Dependant on whether the property is licensed or not will determine the lenders that can be approached to help fund your requirements.
We have experience in and can give advice for the acquisition, re-structure and re-finance of complex property portfolio structures. Whether the assets are residential, commercial or semi-commercial we have experience at structuring refinances and capital raises for various sized portfolios from £150,000 to £10million. Our lenders range from high street prime lenders through tier 2 challenger banks to niche lenders that support clients with adverse credit and so we help to arrange the broadest most suitable solution for you. All advice is offered free and without obligation. For a discussion on your portfolio funding requirements please call our team today.
If you want to move house but you’re struggling to sell your home or maybe your property has dropped in value, let to buy is something you may want to consider. Letting out your property could allow you to move into a new home without feeling pressure to sell in a rush and potentially at a loss. Although some lenders will allow you to let out your home on a residential mortgage, it’s only be on a temporary basis. So unless you are only going to be letting it out for a short time, it is likely you will need a buy to let mortgage. Which is where we come in, we will guide you through all the details and work out what is best for you and your home.
Our initial advice on the most suitable mortgage for your needs is offered freely and without obligation. For completed mortgage transactions we will generally charge a completion fee in the range £295 to £495, the exact amount will be determined by the amount of research and administration work necessary to deliver the best possible mortgage solution. To discuss your mortgage and protection needs please get in touch with our team today.
Your property may be repossessed if you do not keep up repayments on your mortgage.