01603 216881
Buy to Let
Buy To Let
Mortgages For Landlords
The Buy to Let landscape has changed hugely over the last couple of years with some landlords being hit with heavy taxation that they never used to have. It is vital to set up your buy to let remortgage or purchase in the most advantageous way to ensure you get the very best returns from your investment property. We also cater for portfolio landlords and can help you with incorporating existing property portfolios to a Limited Company.
We have all the expertise you need. Whether to buy personally, proportion out equity with a spouse or partner to utilise they tax allowances, set you up a Special Purpose Vehicle (SPV) or even buying through a limited company, we have the answers. We will guide you through every aspect from rental stress testing to lender selection.
Our market position is ideal as we have access to almost all the major banks and building societies as well as the lesser known and provincial lenders. This means we can look at what you bank will offer you and compare it to what else is available. If staying with your bank is the best option, we can switch your rate free of charge without the need to visit a branch or have lengthy in depth interviews.
Our services do not end with arranging your mortgage. We can also arrange Defaqto 5 star Landlords insurance at a low pricing.
Not all Buy to Let Brokers have this range of experience or expertise. Call us today on 01603 216881 or arrange a call back.
Think carefully before securing other debts against your property. The total to repay these debts may be considerably more.
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.
For residential, consumer BTL and business BTL
Your consultation is obligation and cost free, as is looking at any recommendation we may offer. We do not always charge a fee. This depends on your circumstances. When we do charge fees we take into consideration the commission we receive from the lender. Please check the Key Messages provided to you for the basis on which we charge fees. It will also be explained to you by your adviser. All fees in all circumstances are discussed with you and put in writing prior to any application being made. Our charge to advise and arrange your mortgage is £695. We deduct any lender commission expected from this fee. If the lender commission exceeds £695, we will not charge you at all. For example, if we receive £600 from the lender, we will levy a charge to you on completion of £95. We do not charge for setting up life assurance, critical illness, income protection or other insurance.
For 2nd charge (secured loan) business, Representative APRC 7.5% Variable.
Representative example: Annual interest rate of 6.9%, Representative 7.5% APRC Variable. Based on borrowing of £80,000 over 240 repayments of £631.06. Total amount repayable £151,824.40. Includes lender fee of £495 and broker fee of £1,500.
Charwin Private Clients are authorised and regulated by the Financial Conduct Authority. Our firm’s number is 498486. You can check our details on the FCA register by clicking here.
Our trading address is Holland Court, The Close, Norwich, NR1 4DY. Tel: 01603 216881 || Fax: 01603 216885
Registered in England No: 06628612. Registered office: Holland Court, The Close, Norwich, NR1 4DY. This site is only directed at persons within the UK.
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