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If you are in need of receiving expert Buy to Let Mortgage Advice in Sheffield, our trusted team of dedicated Mortgage Advisors can help with this.
You could be a first time landlord or you could already have an extensive portfolio of properties. Either way you’ll always receive the same level of service our experienced mortgage team are wont to provide.
As a well-known and reputable Mortgage Broker in Sheffield, we have helped many investors obtain their Buy to Let in Sheffield. Our dedicated team will search through 1000s of products to find you the most appropriate mortgage for what you’re looking to achieve with your investment purchases.
If perchance you would rather purchase your buy to let property by way of a limited company (Special Purpose Vehicle), our mortgage advice team will still be able to talk you through your options. We have experience in many different areas of the buy to let mortgage market.
If you are looking to discuss and compare taxation benefits, this is something you’ll ideally need to talk through with a tax advisor as they will be able to correctly provide you with advice on this topic.
As well as a standard residential Buy to Let in Sheffield, we also have the knowledge and experience to provide assistance with HMOs (House of Multiple Occupancy) and holiday lets, should you require it.
How does it work?Get a quote nowMeet your advisor
The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.
We’ve come across many different buy to let mortgage scenarios as a mortgage broker in Sheffield.
Current landlords who’ve already built up a portfolio of buy to let properties may want to invest in further opportunities. If this is the case, there’s an option to remortgage one of the properties to release equity. This equity can be used to cover the deposit on another Buy to Let in Sheffield.
Not all lenders will accept an applicant who is applying through these means, however, it’s not impossible to find a lender who will.
If you’re looking to grow your buy to let portfolio through a Limited Company or Special Purpose Vehicle (SPV), this is a specialist topic, so we would strongly recommend that you speak with a specialist Mortgage Advisor in Sheffield.
House of multiple occupation mortgages are taken out on properties occupied usually by five or more people. They’re particularly popular amongst landlords who own student accommodation.
These types of Buy to Let in Sheffield can sometimes be hard to find; not every lender will offer HMO deals. If you’re thinking of applying for a HMO mortgage for your buy to let property, it may be worthwhile speaking to a specialist mortgage advisor in Sheffield.
We understand that there are lots of different buy to let mortgage scenarios. For example, you may be a first time buyer and are planning to invest in buy to let or you may have a complicated mortgage situation that requires help from an expert. If you need a second opinion on anything regarding a Buy to Let in Sheffield, feel free to get in touch with our expert team today.
As an experienced and well-versed Buy to Let Mortgage Broker in Sheffield, we always strive to ensure our customers receive help and support throughout the full process.
We will be available seven days a week, anytime we’re needed and at a time that best suits you. Buy to Let mortgages are never always as simple and easy as you’d like. We will do what we can to help you over any hurdles that arise during your journey.
Our long-standing team of mortgage advisors in Sheffield, here at Sheffieldmoneyman, know the buy to let mortgage market from front to back, left to right.
We have a great deal of experience in working with buy to let mortgages, forming recurrent relationships with landlords and helping them to find the best mortgage that will suit their situation.
We always make sure that we are up to date with the latest buy to let legislation and lending criteria, as this allows us to offer our customers recent, open and honest mortgage advice in Sheffield.
Your dedicated mortgage advisor will be by your side from the start of your process, right through until the end of your buy to let mortgage transaction.
It is our company aim to make the process as clear & simple as we possibly can, from your initial contact with us, up until the day that you get the keys to your property.
Take a look at our genuine customer reviews and bear witness to the reasons why so many landlords choose us when looking to take out a Buy to Let in Sheffield.
4.95 Rating185 Reviews
Kristian
I went to Malcolm for advice as my mortgage was up for renewal and I wanted to discuss other options. Both Malcolm and Lyndsey have been extremely helpful and informative throughout. I will definitely be using them again in the future.
Keeley
Massive thank you to Charlie and the rest of the team at UK Moneyman for helping us get our first mortgage. They went through everything in detail and explained things further when we needed them to. Couldn’t have done it without them
Millie
Very very good service. 5 Stars. Everybody was super helpful, from start to finish. Made a stressful situation so much easier!
Jordan
We have nothing but great things to say about Sheffield Money Man. Hugely helpful, personalised advice for our complex situation. Everybody we spoke to was incredibly helpful. We would 100% recommend them to our friends and family.
Martyn
This is the second time we’ve used Sheffield moneyman and couldn’t recommend them highly enough. They put their customer needs first, are kind, open and friendly and of course first class for finding mortgages:)
Rukhsaar
Super helpful and quick process! Leo was really clear and made sure to keep me updated
Guiseppe
Happy with the service received from Meghan and Tom. Helped my partner and I secure a mortgage offer during the most difficult economic time seen in decades. Took a lot of the worry and concern away from us and available to offer carefully guided...
Abigail
Wendy and Jason couldn’t have made this process any easier for us. Quick replies and chasing the lender and solicitor on our behalf. We got the best deal we could have hoped for which really will be life changing for us and our daughter....
Christine
Dan was extremely helpful and knowledgeable from start to finish. Would definitely recommend.
Gareth
From the very start, Charlie was an absolute god send. Took his time explaining every detail of the process and was very upfront about what timescales were going to look like. Even when he was away on holiday, still took time to drop me a quick...
Rachel
These are a fantastic mortgage brokers, they are very knowledgeable and break it down so you understand everything. They keep you up-to-date all the time with anything that happens. They have saved us quite abit of money too. They been...
Emily
Tom, Chloe and the team have all been very helpful in securing us a mortgage! They explained the process extremely well as we are first time buyers and so didn't know what to expect. They were always prompt with their responses and were happy...
Luke
Amazing service! To say I have a bad credit history would be an understatement and UK Moneyman helped me get my life turned round in 3 months! Would recommend them to anyone wanting a mortgage. Thankyou Wayne for the amazing help.
Keith
Very good advi e and assistance to help us find the right deal
Jun
We are so lucky to find the best broker team here to help us buying a house,after they submitted the application，they will still help you every step and monitor the mortgage progress,let you know what happened immediately,You can absolutely...
Natalie
Amazing service, thank you so much.
Luke
Very helpful from start to finish. Polite, understanding and willing. Talked us through all of our options and the products available to us and stayed in contact at every step to keep us updated. Very friendly and will 100% use them again when it...
Andrew
Very personable, friendly service and easily accessed. Second time I've used as was happy with the service I received.
Graeme
A completely flawless service. Malcolm and the team were responsive, helpful and effective in securing our mortgage. The only broker you need.
Anonymous
Fantastic service. Thom and Meghan answered any of our questions as we didn't have a clue what we were doing. Really quick to process our mortgage as first time buyers.
The minimum deposit for a Buy to Let mortgage is usually 25% of the property value. However, this can vary between 20%-40%. If have any further questions regarding you Buy to Let mortgage deposit, speak to one of our Buy to Let Mortgage Advisors in Sheffield today.
Your free mortgage consultation with a Mortgage Advisor in Sheffield will last approximately an hour. Once they have evaluated your situation, they will recommend a mortgage for you with no obligation for you to proceed. Based on the deal, you can decide whether or not you want to continue the process with us or not.
As a trusted Mortgage Broker in Sheffield, we carry out a fact find to verify your needs before recommending you with a mortgage deal. After a Mortgage Advisor in Sheffield has evaluated your situation, they will perform a credit check on you, this is required for an agreement in principle. Then after you have provided all of the relevant documentation and a valuation of the property has been carried out, a formal mortgage offer can be issued.
We always advise that you obtain an agreement in principle before you start viewing properties in Sheffield, to avoid disappointment. If you want to get yourselves a head start, you should get one prior to making an offer.
Typically, an agreement in principle lasts for between 30 and 90 days, however, this can change depending on your lender in Sheffield. If your agreement in principle expires, you can renew it quite easily.
Yes, you can get a second mortgage. Whether this is for debt consolidation or home improvements, this is possible. It is also possible to take out a second mortgage on a second property but only if it is own use, the use of a family member, a holiday home or a Buy to Let.
It will be harder but yes you can. You will have to show that you can afford a mortgage by putting down a higher deposit, perhaps 10% or 15% of the purchase price.
Yes, however, you must submit at least one years’ accounts. Most lenders use your salary + dividend to calculate the maximum mortgage, whereas other lenders in Sheffield could base it of your net profit.
If you are an employee, you will need to provide three payslips to prove your income. If you are Self Employed in Sheffield, you will have to prove for the latest 2 years’ accounts. Along with this, you must produce proof of ID, address and 3 months’ bank statements.
Our free mortgage consultation in Sheffield will take about an hour. Once your consultation is completed, we can arrange an agreement in principle for you within 24 hours. A formal offer takes up to three weeks on average.
A telephone call where we can take some initial details and find out about your plan of action.
Enjoy finding a property!
Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.
Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.
A telephone call where we can take some initial details and find out about your plan of action.
Enjoy finding a property!
Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.
Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.
