Landlords Mortgage

Are you a landlord looking at mortgages for your portfolio?

So, you’ve big ideas on building your property empire. You know what you want to achieve, but now need to establish the best way to finance it. With many ratios and affordability criteria to consider, landlord mortgages can be complex, either way you will need to get a Buy to Let mortgage.

Buy to Lets can be minefield and with one foot wrong, it could explode your dreams of owning a rental property or growing your empire. All Buy to Lets are now assessed on the rental income the property can generate compared to the mortgage itself.

Typically mortgage lenders will require you to have a minimum deposit; often 20%- 25%. You’ll need to consider the interest rates, conveyancing fees, arrangement fees, possible valuation fees and whether any other background properties will impact your mortgage. Get in touch to ensure you receive professional guidance without stepping on a mine!

Supporting more complex situations

At Flex Financial, we can navigate the complexity that CIS, self-employed/sole trader status and adverse credit history can bring to mortgage applications.

For construction industry professionals. At Flex Financial we can use your income before tax is deducted to work out how much you can borrow. With CIS we can calculate your borrowing based on your daily rate of pay rather than the profit you report to the taxman. If you have worked in construction for at least 2 years and can provide your last 3 months CIS invoices then we would love to hear from you!

For self-employed and sole traders. Accounts for 2 years is preferred, but, If you have less than 2 years it could still be possible to obtain a mortgage. Most mortgage lenders will average your income but there are some lenders who consider your latest year figures. Also, there are lenders who could consider using your retained profit, salary and dividends, if you’re a Ltd company director and take a low salary and dividends but have a high retained profit.

For customers with bad credit. It’s often possible to obtain a mortgage with a bad credit history, although the options available to you may be limited or not with the lender of your choosing. At Flex Financial we have the experience of what lenders are looking for and what they will consider.

Request free consultation

How do we work?

Our fees are fixed and with no hidden surprises. So, you know what you are paying before we proceed with any work. We charge a broker fee of between £295 – £995 payable on mortgage offer. The amount we charge will depend on the amount of research and administration that is required.

Lets chat, and start the process of establishing the right solution for you.

Request free consultation

Request free consultation

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Mortgage products not linked to my/our existing arrangement
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Post to us

33, Henry Crescent,
Rochford, Essex, SS4 1GU

Phone us

020 8133 6698

Email us

enquiries@flexfinancial.co.uk

Watch us

youtube.com/flexfinancial

Jotsan Shrestha
Jotsan Shrestha
14:32 23 Apr 20
Stephen was our first mortgage advisor when we bought the house. We were first buyers that time so everything was new for us and it was almost nerve recking to do everything by ourselves considering... our hectic work schedule. From day one we met, Stephen was very professional, thorough with his advice and helped us to secure a nice deal which were merely possible doing it ourselves. Now, without any hesitation we contacted Stephen as our current deal were about to expire. Despite of the pandemic situation, Stephen helped us to secure a much better deal and extremely faster than we could imagine. There are no words to express gratitude to Stephen and anyone in the situation that we were two years ago should contact him for stress free life.read more
Suzanne Kay
Suzanne Kay
13:40 14 Dec 19
What can I say, Steve is very professional and went above and beyond what I thought a mortgage adviser would do, supporting me from start to finish with getting my mortgage. He Always explained... everything simply for me to understand. He listened to my needs, and got the best mortgage that suited my situation perfectly, always ready to answered any queries I had, and ready to reassure when I was nervous. He made what would have been a daunting experience simple, giving me complete confidence with him. I’d definitely recommend this company highly!read more
Andrew Miller
Andrew Miller
20:10 11 Dec 19
With my own business, I was concerned what options I’d have available for re-mortgaging. I’d heard horror stories about self-employed mortgages, but Steve was able to secure me 7 viable providers... that would probably accept me. Then bingo, we were accepted with our 1st application and went through in about a monthread more
Alfie M
Alfie M
17:34 11 Dec 19
My family have used Steve about remortgage options and possible future move. Steve gave us excellent advice in a clear manner and one which we could understand without the Jargon. We are now fully... aware of our options and what we would need to do in advance should we decide to move. Thanks 🙂read more
Hannah Louise
Hannah Louise
07:56 10 Dec 19
Following our mortgage, Steve at Flex Financial arranged our protection cover. He gave up his Friday night to arrange this as it was the only time I was available. He understood my priorities, fully... explained all my options, costings (including working to my budget) in a friendly and professional manner. Would 100% recommend to all my family and friends.read more
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Mortgages and Insurance

Flex Financial Ltd is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of Personal Touch Financial Services which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products. Flex Financial FCA Number: 915575

Flex Financial Ltd is a company registered in England & Wales (company number 11061765) whose registered office is Sutherland House, 1759 London Road, Leigh On Sea, Essex, SS9 2RZ. Registered Trading address: 33 Henry Crescent, Rochford, Essex, SS4 1GU.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

There will be a fee for mortgage advice. The precise amount will depend upon your circumstances and the amount of work that needs to be done. Fees will range from £295 to £995. We may charge more for complex cases or adverse credit cases, and will always discuss this, and get your agreement, before proceeding.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. The Financial Conduct Authority does not regulate some forms of Buy to Let, Wills or Trusts.

Some of the products/services shown above are not or may not be regulated by the Financial Conduct Authority.