Buy to Let Mortgage Advice in Harrogate

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We Search 1000’s of Buy to Let Deals
to Save you Money!

Whether you are looking to purchase your first investment property or are a portfolio landlord, our experienced mortgage advisors in Harrogate have a wealth of knowledge when it comes to buy to let mortgages. Keeping up to date with all the latest legislation and market updates is our job!


We can help with both purchases and remortgages, searching 1000s of deals to find the best buy to let mortgage for you.

How does it work?Get a Quote NowMeet Your Advisor

The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.

We search 1000s of mortgage deals across a large number of lenders, including:

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Buy to Let Mortgages – Popular Situations

There are many types of buy to let mortgages, however, no matter what type of buy to let mortgage that you may be looking for in Harrogate, our mortgage advisors in Harrogate will find the perfect one to suit your circumstances.

  • Standard buy to let remortgages.
  • Capital raising mortgages.
  • Limited company mortgages, also known as specific purpose vehicles (SPVs).
  • HMO mortgages i.e., a house of multiple occupancy.
  • Buy to let mortgages for retired landlords, professional & portfolio landlords.
  • Buy to let mortgages for new landlords.


It makes no difference whether you have one property or a portfolio. At our mortgage broker in Harrogate, we will do whatever we are able to do in order to try and find the most appropriate buy to let mortgage in Harrogate, tailored for you.

Buy to Let Mortgages Harrogate

As your buy to let mortgage broker in Harrogate, we will help and support you throughout the full process and be here seven days a week, anytime you need us. We know that buy to let mortgages are not always straightforward and easy, we will help you over any hurdles that you might face during your mortgage application.


The team at know the buy to let mortgage market inside out so we know exactly how it works. So, when it comes to being experienced in the provision of mortgage advice in York regarding buy to let mortgages, we regularly work with landlords to find the best mortgage to suit their situation.


Our mortgage team and mortgage advisors in Harrogate will always keep up to date with the latest buy to let legislation and lending criteria, ensuring we are offering our clients up to date open and honest mortgage advice in Harrogate.


At the same time, we will be by your side from beginning to end of your buy to let mortgage transaction. It is our mission to make the process as easy and straightforward as possible, from the time that you get in touch with us through to the day of completion for your buy to let.


As your mortgage advisor in Harrogate, we are here to help you. Get in touch with us today and make a date for your free mortgage consultation.

Reviews Stars4.94 Rating31 Reviews

Common mortgage

The minimum deposit for a buy to let mortgage can vary somewhere between area of 20-40%, though typically it is usually 25% of the property value.

Your free mortgage consultation with a Mortgage Advisor in Harrogate will last for approximately 30 mins. They will then recommend a mortgage for you, one that you have no obligation for you to accept if you do not wish to. Proceeding with the mortgage is completely your choice.

As a part of our service as a fast and friendly Mortgage Broker in Harrogate, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you and your personal circumstances. A credit check will then required ahead of obtaining an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been taken out, a formal mortgage offer can then be issued to you.

To avoid being disappointed part way into your process if you don’t get the property you had eyes on, we recommend you obtain an Agreement in Principle ahead of schedule, before you begin viewing properties in Harrogate. At the very latest you should obtain one prior to making any offers to a vendor, as this can aid with your bargaining position.

An Agreement in Principle will generally have a shelf life of between 30 and 90 days, depending on the lender used. If your Agreement in Principle expires, get back in touch with your mortgage advisor and they can get this refreshed for you.

If you are looking to do something like debt consolidation or any potential home improvements, you may have the option of taking out a second mortgage in Harrogate. It may also be possible to take out a mortgage on a second property for other uses, such as for yourself, a family member, a holiday home or a Buy to Let.

If you have had any kind of credit problems previously, there is a chance you can still get a mortgage. Unfortunately for this, you may possibly be required to put down a higher deposit than usual, typically 15% of the property purchase price.

Once you have submitted at least one year’s accounts to the lender, you may then be able to obtain a mortgage on the property you wish to buy. Most lenders will use a combination of your salary plus dividend to calculate the maximum mortgage, whereas others may go off your net profit.

An employee will generally be required to submit at least three payslips for an employee to prove income and the latest 2 years’ accounts if they are Self Employed. You will also need to provide your mortgage lender with proof of ID, address and the last 3 months’ bank statements.

Our free mortgage consultation offered to all customers will typically last somewhere near 30 mins or so. The members of our dedicated mortgage advice team are able to turn round an agreement in principle within 24 hours, with a formal mortgage offer taking roughly about three weeks on average.

We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

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Authorised and Regulated by the Financial Conduct Authority.
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The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

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Harrogatemoneyman – Workhub Harrogate, C/O Umbrella Property Group, 12 Station Parade, Harrogate, HG1 1UE.

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