Buy-to-Let Mortgages

Welcome to Griffin Fiduciary, your trusted partner in the UK property market. We specialise in arranging unregulated buy-to-let mortgage finance for property investors, from those making their first buy-to-let investment to experienced landlords with established portfolios. We work with clients to understand their requirements, identify suitable funding options and assist throughout the process of securing an appropriate mortgage facility.

If you are looking to invest in the UK property market and require unregulated buy-to-let mortgage finance, get in touch with us today. Our team is ready to help you explore the funding options available and support you through the application process.

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Why Choose Us?

At Griffin Fiduciary, we understand that navigating the buy-to-let mortgage market can be complex. That’s why we provide a personalised service tailored to each client’s individual requirements. Our experienced team will work closely with you to understand your property investment objectives, financial circumstances and funding requirements, helping to identify appropriate unregulated mortgage options.

We have access to a wide range of lenders and mortgage products, including traditional and specialist lenders. This enables us to explore competitive rates, terms and funding structures, whether you are purchasing your first buy-to-let property, refinancing an existing investment or expanding an established property portfolio.

Our Process

Our brokerage process is designed to be simple, transparent and efficient, allowing you to focus on your property investment objectives. 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 discuss your property investment objectives, financial circumstances and funding requirements to understand what you are looking to achieve.

Application

We will assist with the application process, liaise with the lender and other parties where appropriate, and provide ongoing support through to completion.

Post-Completion Support

Our relationship does not necessarily end at completion. We remain available to assist with future funding requirements, refinancing opportunities and the continued development of your property portfolio.

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.