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Buy to Let Mortgage Advice in Cardiff

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Buy to Let Mortgage Advice in Cardiff

Looking at an investment property in Cardiff? Maximise your investment with tailored mortgage advice in Cardiff and start your landlord journey with us!

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Are you a budding or existing landlord looking for a buy to let mortgage in Cardiff.

If you are currently looking at getting mortgage advice for a Buy to Let in Cardiff, our open & honest mortgage advisors in Cardiff are here to lend a helping hand. Whether you’re ready to take that first step and become a landlord or already have a lot of experience in being a landlord, we have a lot of industry knowledge on Buy to Let in Cardiff.

As a trusted mortgage broker in Cardiff that works hard to help our customers achieve their goals, we have helped many different property investors in securing fantastic buy to let mortgage deals. Our dedicated team will take a look through 1000s of unique mortgage products, in order to find you the most suitable mortgage deal for your circumstances.

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Buy to Let Mortgage Advice in Cardiff

We build relationships with landlords when they get in touch for a buy to let mortgage in Cardiff.

If you would like your purchase of a buy to let property via your limited company (known as a Special Purpose Vehicle, or SPV for short), our hard working team of mortgage advisors in Cardiff have lots of experience in working on this too, and will be more than happy to discuss your mortgage options.

For those who are looking at taxation benefit comparisons, then you will need to contact an experienced tax advisor as they will be able to appropriately advise you on this topic.

Though we typically help customers with standard residential buy to let purchases in Cardiff, we do have the ability to help with HMOs (House of Multiple Occupancy) and holiday lets too, so if you need any help with one of these, book your free mortgage appointment with a buy to let expert in Cardiff and we’ll see how we can help.

How much deposit do I need for a buy to let mortgage in Cardiff?

Most lenders typically require a deposit of 20-40% of the property value for a mortgage, although this may vary depending on factors such as your property portfolio size, circumstances, and credit score. These variables will also determine how much you can borrow for a mortgage.

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Common FAQs for Buy to Let in Cardiff

If I'm a first time buyer, can I get a buy to let mortgage in Cardiff?

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If you are a first-time buyer in Cardiff looking for a buy to let mortgage, finding a lender willing to work with you may depend on your individual circumstances. Being a first time buyer may be considered a risk factor for mortgage lenders, who evaluate your application based on your previous homeownership experience. Many lenders reserve their offers for existing homeowners looking to take out a buy to let mortgage in Cardiff, as owning a home can demonstrate reliability in making monthly mortgage payments.

How much can I borrow for a buy to let mortgage in Cardiff?

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The maximum amount a landlord can borrow for a buy to let mortgage is based on the expected rental income the property is likely to generate. Mortgage lenders will also require proof of income from a main job or self employment, as you need to be able to cover monthly payments for the buy to let mortgage in Cardiff, even during periods without tenants.

What documents do I need for a buy to let mortgage in Cardiff?

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When applying for a buy-to-let mortgage in Cardiff, you must provide your lender with specific documentation, such as proof of income (bank statements or SA302 tax returns if self-employed), proof of deposit, identification and address, most recent or current P60, and proof of rental income.

Why use a buy to let mortgage broker in Cardiff?

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We offer expert buy to let mortgage advice in Cardiff and can help you find suitable options based on your circumstances.

As a buy to let mortgage broker in Cardiff, we have worked with many landlords, new and existing, to guide them through the process and help overcome any obstacles they may face during their mortgage journey.

Our Customers Love Us

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Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

If you want to know what investment goals are realistic, it's a good idea to consult a buy to let mortgage advisor in Cardiff.

During your appointment, the advisor can help you decide whether it's better to opt for an interest-only buy to let mortgage or a repayment mortgage.

We Can Search 1000s of Mortgage Deals

Step 2

Our mortgage advisors in Cardiff have access to thousands of mortgage deals, which they can search through to find the most suitable buy to let mortgage product that can help you achieve your investment goals.

Once they find the right mortgage, they can provide you with a mortgage agreement in principle that can support your property purchase offers.

Submit Your Mortgage Application

Step 3

Once your offer has been accepted, your mortgage advisor in Cardiff will submit your full mortgage application and send any required documents to the lender.

During this process, the lender will assess your projected rental income to make sure you can afford all the monthly payments and any additional costs.

Protecting You and Your Mortgage

Step 4

Regardless of whether you're a new or experienced landlord with multiple properties, it's important to have relevant insurance coverage to protect you during tough times.

We'll also contact you when your buy to let mortgage needs to be renewed to make sure you have the most appropriate deal for your investments.

Reasons To Choose Us

Free Mortgage Review

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As an expert mortgage advisor that helps out with your Buy to Let in Cardiff, we will be on hand to provide guidance and support all throughout your mortgage journey. This is from your first point in contact, until your mortgage completes and beyond.

1000s of Deals

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We always ensure that our advisors are up to date with the most recent legislation and lending criteria for buy to let in Cardiff, which in turn means we can make sure all of our customers are we informed and given professional and accurate mortgage advice in Cardiff.

Our fast & friendly mortgage administrators and advisors will aim to give you a clear and simple mortgage process, through each step of your mortgage experience.

Our Service

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Our team of open & honest mortgage advisors here at Cardiffmoneyman are very experienced in helping customers with a buy to let in Cardiff, gaining lots of knowledge from helping customers to make a portfolio purchase.

We like to reduce the stress from landlords, taking on the complex part of the process for them, and forming working relationships that leads many to get back in touch for further purchases or remortgages.

7 Days a Week

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Our service is available every day of the week, from early until late, including weekends and some bank holidays. It’s our goal to help you across any hurdles you encounter throughout your process.

To learn more about our service and why so many chose us for mortgage advice on a Buy to Let in Cardiff, please take a look at our amazing reviews, left by genuine customers who were happy with the mortgage advice they received!

Malcolm and Amy Davidson - Mortgage Advice in Cardiff

We Search 1000s of Buy to Let Mortgages in Cardiff

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Buy to Let Mortgage Scenarios in Cardiff

Fast & Friendly Buy to Let Mortgage Advice in Cardiff

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During our time working as a dedicated mortgage broker in Cardiff, we have helped many different landlords to secure a mortgage on a property that they are investing in.

Customers may be looking for standard buy to let mortgage advice in Cardiff, for advice on a holiday let in Cardiff, or for a HMO purchase. In any case, our fast & friendly mortgage advice team in Cardiff will be more than happy to take a look at your case, in order to find you the best mortgage deal for your situation.

Residential Buy to Let in Cardiff

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Residential mortgages are the most common in the buy to let world. This is the standard buy to let, wherein you purchase and take out a mortgage on a standard residential property in Cardiff, allowing tenants to move in and pay you rent, rather than living in it yourself.

The vast majority of borrowers looking to work with a buy to let in Cardiff will sign up for an interest-only mortgage, as this means they will only pay interest each month, allowing for lower monthly costs. This monthly fee is normally covered by the rental amount gathered, though the remaining capital will need to be paid in full by the end of your mortgage term.

House of Multiple Occupancy (HMOs)

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A house in multiple occupancy is a term given in reference to properties that are rented out to multiple tenants, typically with shared common areas. Examples you may be familiar with include student housing or house shares. Depending on the size of your HMO property, you may be required to obtain a license from the local council. It is recommended that you speak with the local authority prior to your purchase, so that you are aware of all legalities.

Because HMOs are technically a specialist classification of a buy to let in Cardiff, you’ll find that not all mortgage lenders have products on offer for them. Luckily for anyone looking to work with a HMO, we do have a selection of mortgage lenders who are able to provide mortgages for this type of purchase.

HMOs will generally bring in higher yields than a regular buy to let investment would, though you will have to be wary of other costs, such as license fees from your local authority and more frequent property maintenance.

Buy to Let in Cardiff through a Limited Company

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More and more do we come across landlords making property portfolio purchases using their limited company as an SPV (Special Purpose Vehicle). This is even more so when it comes to landlords who already have such an extensive portfolio to their name.

As a more general rule of thumb for this, purchases through a limited company will result in the owner paying a higher interest rate when taking out a mortgage. There also aren’t as many options for mortgage products with lenders, as there are fewer mortgages on offer for a SPV than a standard residential buy to let purchase.

Conversely to this point, any costs involved can often be greatly outweighed by the potential tax savings you could make. We would always recommend that you speak with an experienced tax advisor prior to this, to make sure it is the best route for you to take in your investment.

Holiday Lets Cardiff

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Holiday let mortgages work in a way that allows someone to make an investment on a property that will have multiple short tenancies, rather than any long term tenants residing within the property.

A holiday let, much like a HMO purchase, is classed as a specialist type of investment. This once again, means that you will have fewer options with mortgage lenders, as there will be less products on offer. Our mortgage advisors in Cardiff also have lots of experience in helping customers with their holiday let buy to let purchases in Cardiff, so they will be able to look at finding the best deal for your circumstances.

If your situation relates to the above or if you have a different case altogether, please don’t hesitate to book in for a free mortgage appointment with one of our mortgage advisors in Cardiff. We will use our experience in the field of buy to let mortgages, in order to help you with your mortgage needs.

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Cardiffmoneyman.com & Cardiffmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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