Buy-to-Let Mortgages

Welcome to Griffin Fiduciary, your trusted partner in the UK property market. We specialise in providing comprehensive buy-to-let mortgage brokerage services to help you achieve your investment goals. Whether you are an experienced investor or a first-time buyer, we have the expertise to guide you through the process of securing the best-unregulated mortgage deal.

If you are looking to invest in the UK property market and need help securing a buy-to-let mortgage, get in touch with us today. Our team of experts is ready to help you achieve your investment goals.

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Why Choose Us?

At Griffin Fiduciary, we understand that navigating the mortgage market can be complex and overwhelming. That’s why we offer a personalised service that is tailored to meet your individual needs and preferences. Our team of experienced advisors will work closely with you to understand your investment objectives, financial circumstances, and risk appetite to identify the most suitable mortgage options for you.

We have access to a wide range of lenders and mortgage products, including both traditional and specialist lenders. This means that we can help you find the most competitive rates and terms to suit your needs, whether you are looking to purchase your first buy-to-let property or expand your existing portfolio.

Our Process

Our brokerage process is designed to be simple, transparent, and efficient, so that you can focus on your property investment strategy. Here’s how it works:

Initial Consultation

We will discuss your investment goals, financial circumstances, and preferences to understand your needs and objectives.

Mortgage Search

We will conduct a thorough search of the market to identify the most suitable mortgage options for you.

Complete Application

We will help you complete the application process and provide ongoing support to ensure a smooth and timely transaction.

Post-Completion Support

We will continue to provide support and guidance throughout the term of your mortgage to ensure that you are making the most of your investment.

Our Fees

At Griffin Fiduciary, we believe in transparent and fair pricing. Our fees are typically charged on a commission basis, which means that we receive a pre-agreed fee from you and often the lender for our services. This fee is disclosed to you upfront, so you know exactly what you are paying for so you can be sure that you are getting a fair deal.

FAQs

Yes, buy to let mortgage products are distinct and different from residential mortgage products.

Residential mortgages cannot be used for buy to let properties and vice versa.

The criteria used to assess each type of application tend to be very different, with residential mortgage lenders focussing on the earned income of the applicant.

Buy to let lenders may have a minimum earned income for applicants but will generally be more concerned by the proposed rental income.

There is generally no single ‘best product’. The focus should be on finding the best product for your own circumstances. The key things to consider will be the following:

The loan to value that you’re looking for
The lender’s affordability assessment criteria
Your preferred interest rate type (fixed, variable, tracker, discounted etc)
The length of any promotional rate (e.g. 3 year fixed rate vs 5 year fixed rates)
Any fees associated with the product
The relative ease or difficulty of the lender’s application process

Of course, there may be more info that is taken into account, depending on your personal circumstances.

As an independent broker, we work with lenders across the market. As such, we don’t have strict criteria that we work to and can arrange funding for most circumstances.

We work with lenders who are happy to accept adverse credit, have no minimum income requirements and even some that will allow you to top up your rental income with earned income.

We never charge upfront fees, so you can discuss your circumstances with an experienced expert at no cost to yourself.

No, buy-to-let mortgage lenders will usually require a deposit of at least 15%, although 20% is far more common.

When purchasing a property below market value, you may be able to purchase without a deposit using a bridging loan. Once purchased, assuming the criteria can be met, you can then refinance to a traditional BTL mortgage.

The answer to this question will depend on your circumstances and your aims for the property.

Capital repayment mortgages have the benefit of the loan being fully repaid at the end of the term. The downside to this is that the monthly costs will be higher, something that may reduce your maximum loan.

Interest-only mortgages allow you to pay only the interest due each month, with no money being paid off the loan. As a result, your mortgage repayments are lower, but due consideration should be given to how the loan will be repaid at the end of the term.

Yes, we can offer funding to first-time buyers who are looking to purchase an investment property.