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Buy-to-Let Mortgage Broker Manchester

Find the Perfect Mortgage for Your Buy-To-Let Property

Thinking about a buy-to-let investment in Manchester? Our specialist brokers can guide you through the process, helping you secure the best mortgage deals from across the market. We ensure you get competitive rates and expert advice.

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Fee free mortgage advice means a whole lot more for a whole lot less

Contact our Mortgage Adviser for completely fee-free buy-to-let mortgage advice. We will help you from the initial consultation to your mortgage completion, Completely Fee-free! 100% no hidden costs, We are just a phone call away.

For the right deals on buy-to-let mortgages in Manchester, call and speak to our adviser. What represents the right buy-to-let mortgages for you will depend upon your circumstances. Search Mortgage Solutions offers buy-to-let mortgage advice for first-time buyers and accidental landlords right through to professional portfolio buy-to-let landlords. Whether you are a first-time landlord or an experienced property investor wanting a buy-to-let purchase, buy-to-let remortgage or let-to-buy mortgage.

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Getting a buy-to-let mortgage in Manchester

Buying a buy to let property can be a stressful time and you may need to move fast, this is where we can help. Search Mortgage Solutions are available 7 days a week for no fee buy to let Manchester-based mortgage advice. There are many buy-to-let lenders offering choices of buy-to-let mortgages for this purpose, but not all will suit every investor. Search Mortgage Solutions, the buy-to-let mortgage broker will research the whole market to ensure a suitable product is recommended to suit your circumstances.

Contact us today. 8am – 10pm
7 days a week

0161 710 2587

Search Mortgage Solutions

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There is an important difference between a buy-to-let mortgage and a standard home loan. Most lenders will consider the property’s potential rental income in addition to your salary when assessing your application. At Search Mortgage Solutions, because of our location in the Manchester city centre and being surrounded by literally thousands of apartments, we are continuously very active in the buy-to-let Manchester sector. This has become something of speciality to us, and as a consequence, we know the most suitable options for linking an investor to a lender.

If you are considering turning your current home into a buy-to-let investment and moving on to a new house, then our Manchester-based mortgage adviser can help. This type of transaction is known as a Let-to-buy mortgage, and we at Search Mortgage Solutions can help you arrange your new mortgage for your new future purchase and the let-to-buy mortgage for your current home. You can remortgage your current property onto a buy-to-let and, at the same time, raise money for a deposit for a new bigger home. The first thing you need to start the ball rolling is a good chat with our mortgage adviser. We charge no fee for giving you the most suitable advice to suit your circumstances.

Protection insurance is strongly recommended for your peace of mind. Please refer to our separate web page, ‘Mortgage Protection Insurance,’ which gives details of how we can help.

The Financial Conduct Authority does not regulate buy-to-let mortgages

What represents the right buy to let mortgage for you will depend upon your personal circumstances. Search Mortgage Solutions offer advice on buy to let mortgages for the accidental landlord right through to the professional, portfolio, buy to let landlord.

There are very many alternative choices of mortgages for this purpose but not all will be suitable for every investor. There has to be careful and comprehensive consideration given to the circumstances of the applicant, the specific property, and the willing lenders.

5 Tips To Help You Remortgage

  • Check how much you can borrow based on the rental yield.
  • Have a deposit. Usually a minimum of 20-25% is needed , but the bigger the deposit you have , can get you a lower interest rate. You will need extra monies for solicitor fees and other associated costs i.e. Solicitors and stamp duty where applicable.
  • Check the details on your credit report are correct.
  • Use a whole of market broker to search the right deal to suit your circumstance.
  • Find out how much you can borrow – get started with an agreement in principle

Make no mistake, finding the most appropriate mortgage for a buy to let property can be something of a minefield mainly because of the increasingly stringent criteria set down by the lenders who are always unwilling to take unnecessary risks.

At Search Mortgage Solutions, because of our location in the centre of a major city and surrounded by literally thousands of apartments, we are continuously very active in the buy to let sector. This has become something of a speciality to us and, as a consequence, we know the right options when linking an investor to a lender.

The first thing you need to start the ball rolling is a good chat with our mortgage adviser. We charge no fee for giving you the necessary advice.

FAQs

Buy to let mortgages are for purchasers who wish to buy and invest in property so that they can rent it out to a tenant. In most circumstances the tenant must not be a family member or relative.

Buy to let mortgages are used to purchase the property. Once purchased, you can then let out the property. The tenants will then make rental payments which usually  cover the mortgage and  other related  costs.

You can get most types of mortgage for a buy to let property. You will need to decide if you want a fixed, variable, tracker, discount, or capped interest rate.

Most buy to let mortgages are interest only, which means your monthly repayments just cover the interest owed and the amount you borrowed will not reduce. A repayment mortgage will pay off the total amount you borrowed by the end of the term. Repayment mortgages cost more per month so are only suitable if you can achieve enough rent to cover it. The majority of lenders require a deposit of at least 25%. Lenders have different requirements for buy to let mortgages but they will only accept your mortgage application once they have assessed affordability. However there are some who will accept a much lower income if you are classed as an experienced landlord.

Search Mortgage Solutions
  • Aaron was fantastic. We had a few highs and lows in our house buying process and he guided us through the issues expertly and was always on hand to answer our queries or calm our nerves! He went the extra mile for us and we really appreciate it. Thanks Aaron!.

    Liz Lawson
  • I found Aaron at Search Mortgage Solutions extremely helpful and a necessity in sourcing a remortgage and new mortgage. I find all of the legal vocabulary very confusing, so having Aaron break it all down for me and go through the different options made it manageable. Quick, efficient and easy. I would highly recommend this company..

    Cathy
  • I cannot recommend David and Search Mortgage Solutions highly enough, the service was exceptional throughout the whole mortgage process. I work away a lot and found it difficult to arrange an appointment with lenders, but David came to see us on a Sunday night to go through the initial application and always had time to answer any subsequent queries and keep us up to date. I felt confident that the whole team were giving us the very best service they could, and they could be relied upon to chase the application on our behalf and to deal with queries from the lender to take as much hassle away from us as possible. I would recommend to all of my friends and colleagues, and we’ll be back in 3 years for the renewal!.

    Adrian
  • I have been extremely happy with your assistance in helping us find and apply for our mortgage. You have always promptly responded to any questions I have had along the way and been clear and concise with all the information you have provided. You have made everything much smoother and easier to understand than I ever thought possible! Vicky Hayward you are a star – you go above and beyond I’m sure. You do a fabulous job and I will definitely be recommending you..

    Kay & Chris
  • Search Mortgage Solutions were recommended to me by a work colleague who had said they had been very helpful with the purchase of her first home and she wasn’t wrong! I didn’t really understand how the whole mortgage process worked as I was a first-time buyer, but David was excellent at explaining the process and he was very helpful and friendly. He was always prompt at replying and always kept us up to date with progress, he even sorted our life insurance too. The whole process was made simple and so stress-free and I would highly recommend David and the Search Mortgage Solutions team to friends and family. Thank you so much!!.

    Stephanie
  • This is the second time that I have used Search Mortgage Solutions and once again I’ve been very impressed. My advisor went out of his way to do additional research by talking directly to a series of underwriters and offered me a range of advice about how to increase my ability to borrow. The service has been friendly and efficient and, in terms of the product secured, got me exactly what I need. I’ll be recommending SMS to any friends who need a mortgage broker..

    Chris
  • I have used Search Mortgage Solutions twice now in the last 2 years, first when my wife and I purchased our first home, we had received so many knock backs from other brokers saying it wasn’t feasible yet David was excellent he searched the market effortlessly and worked hard to get us a deal which we could afford. Always kept us up to date with progress and even sorted our life insurance too. Therefore I had no hesitation returning when our fixed period was up to remortgage to a better deal which was taken care of swiftly. I have already recommended David and Search Mortgage Solutions to friends and family and will continue to do so..

    Neil
  • I just wanted to drop you a quick line to say thank you so much for all your help with the mortgage. As first time buyers you made the whole process extremely simple and stress free and we cannot thank you enough for all your assistance. Feel free to post this review on any websites you use. Thanks again for everything!! Thanks..

    Anne Marie
  • Search Mortgage Solutions where very courteous and prompt in all correspondence, further providing all necessary information in easy to access files that could be accessed via PC or mobile phone. When we agreed upon a new mortgage quote, Search Mortgage Solutions took care to arrange everything and have it all delivered to our home. Overall the service was prompt, friendly and thorough and we would highly recommend to anyone..

    Sarah
Search Mortgage Solutions

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Google Reviews

51 Customer Reviews

Excellent Service

Excellent service from David, he secured my remortgage deal 2 years ago and he is always very helpful. He went above and beyond to get the best deal for me for my current mortgage and is always there to reassure me and offer advice and the best deals to go with.

Nicholas Ward
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Helping You

Buy Your Dream Home

We offer our services to you at no cost, so why wait? Search Mortgage Solutions Mortgage brokers Manchester are here to help.

0800 756 7794

News

  • Mortgage Rejection

    What happens if a mortgage application gets rejected?

    It is not uncommon for lenders to reject mortgage applications. If your application gets denied, you will instinctively want to reapply with another vendor. Before … Read more

  • Buying property as a limited company

    If you are thinking of purchasing a buy-to-let property, do not let the high taxes deter you from doing so. Buying through a limited company … Read more

  • Student loans and mortgages

    Will student loans affect me buying a house?

    With an increase in university fees, more and more people are being forced to take up student loans. These loans are expensive, and it might … Read more

100% FREE

Mortgage Advice

Simply give us a call or fill out the form

We are here 24/7 providing customers with expert advice and solutions for their next mortgage, whether that’s for a New Home, remortgage or but to let.

Manchester Mortgage Broker Rated 5 stars on Google

Get A Decision In Principle
Within Minutes
Name(Required)
Marketing(Required)
Marketing2
This field is for validation purposes and should be left unchanged.
1000s

Of Mortgage Deals

We have access to the whole of the market of mortgage providers and because we don’t charge a fee, this can mean a savings for you of hundreds of pounds.

  • Accord Scottish Widows
  • Precise Principality
  • Skipton Teachers
  • Santander Newcastle
  • Natwest Nationwide
  • Paragon Pepper
  • Platform Masthaven
  • Leeds Kent
  • Kensignton Halifax
  • Godiva Foundation
  • Fleet Family
  • Darlington Coventry
  • HSBC Vida
  • Mortgage Works TSB
  • Together Mortgage Lender
  • Chorley Beverley
  • BM Solutions Aldermore
  • Virgin Halifax
Helping You

Buy Your Dream Home

We offer our services to you at no cost, so why wait? Search Mortgage Solutions Mortgage brokers Manchester are here to help.

0800 756 7794

News

  • Mortgage Rejection

    What happens if a mortgage application gets rejected?

    It is not uncommon for lenders to reject mortgage applications. If your application gets denied, you will instinctively want to reapply with another vendor. Before … Read more

  • Buying property as a limited company

    If you are thinking of purchasing a buy-to-let property, do not let the high taxes deter you from doing so. Buying through a limited company … Read more

  • Student loans and mortgages

    Will student loans affect me buying a house?

    With an increase in university fees, more and more people are being forced to take up student loans. These loans are expensive, and it might … Read more

100% FREE

Mortgage Advice

Simply give us a call or fill out the form

We are here 24/7 providing customers with expert advice and solutions for their next mortgage, whether that’s for a New Home, remortgage or but to let.

Manchester Mortgage Broker Rated 5 stars on Google

Get A Decision In Principle
Within Minutes
Name(Required)
Marketing(Required)
Marketing2
This field is for validation purposes and should be left unchanged.
1000s

Of Mortgage Deals

We have access to the whole of the market of mortgage providers and because we don’t charge a fee, this can mean a savings for you of hundreds of pounds.

  • Accord Scottish Widows
  • Precise Principality
  • Skipton Teachers
  • Santander Newcastle
  • Natwest Nationwide
  • Paragon Pepper
  • Platform Masthaven
  • Leeds Kent
  • Kensignton Halifax
  • Godiva Foundation
  • Fleet Family
  • Darlington Coventry
  • HSBC Vida
  • Mortgage Works TSB
  • Together Mortgage Lender
  • Chorley Beverley
  • BM Solutions Aldermore
  • Virgin Halifax

Address

Search Mortgage Solutions
125 Deansgate,
Manchester,
M3 2BY
0161 710 2587

Statement

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up with repayments on your mortgage

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