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Whether you’re a novice landlord or a seasoned property investor managing a substantial portfolio, our team of skilled mortgage advisors in Harrogate is ready to guide you through every step of the process.
Our track record includes assisting numerous landlords in securing buy to let mortgages. A notable advantage of engaging a mortgage broker in Harrogate is our extensive network of lenders. By meticulously searching through thousands of buy to let products, we can identify the most suitable mortgage to align with your investment goals, ensuring your investment purchases are optimised for success.
If you are considering acquiring your buy to let property through a limited company, specifically a Special Purpose Vehicle (SPV), our mortgage advice team, leveraging their expertise in this field, will discuss the available options tailored to your circumstances.
In addition to conventional residential buy to let mortgages in Harrogate, we possess the proficiency to aid you with House of Multiple Occupancy (HMOs) and holiday lets, should you require assistance in these areas.
For inquiries related to exploring and comparing taxation benefits, it is recommended to seek advice from a qualified tax expert rather than a mortgage advisor in Harrogate.
The necessary amount can fluctuate, typically falling within the range of 20% to 40%. The standard minimum deposit for a buy-to-let mortgage is commonly set at 25% of the property’s value.
To determine the precise amount you can borrow for your buy to let mortgage in Harrogate, reach out to our team. We’ll furnish you with mortgage advice in Harrogate to give an accurate figure to kickstart your process.
The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
The deposit required for a buy-to-let mortgage in Harrogate typically ranges from 20% to 40% of the property’s value. The specific amount may vary depending on factors such as your financial circumstances, the lender’s criteria, and the property itself. It’s advisable to consult with a mortgage broker in Harrogate to determine the exact deposit requirement tailored to your situation.
Yes, it is possible to purchase a property through a limited company in Harrogate. Many individuals choose this option for tax efficiency and asset protection. However, the eligibility and process may differ, and it’s recommended to seek professional advice from a mortgage broker in Harrogate or financial advisor to understand the specific requirements, benefits, and implications of buying a property through a limited company in Harrogate.
The amount you can borrow for a buy to let mortgage in Harrogate depends on various factors, including your income, credit history, the property’s rental potential, and the lender’s criteria. Typically, lenders may consider offering loans that are a multiple of the property’s rental income. It’s crucial to consult with a mortgage broker who can assess your individual circumstances and provide accurate information on the maximum borrowing capacity for your buy to let investment in Harrogate.
Our Customers Love Us
4.94 Rating36 Reviews
David
Harrogatemoneyman provided an excellent service. When we contacted our existing lender to increase our loan, it told us we can't even afford the loan we already have despite us never having missed a payment in the 17 years it has run. Dan was able...
2 weeks ago
Anonymous
Jason & Debbie have been extremely efficient; with our mortgage being offered within 2 weeks from initial contact. Excellent communication and helpful advice throughout, especially as I am self employed. Highly recommend!
2 weeks ago
Zoe
Jason and the team have been amazing, so helpful!
1 year ago
Shannon
Matt from Harrogate money man was so accessible and supportive throughout our journey to get a mortgage. He has been close at hand every step of the way and gave us so much convince in ourselves and our own finances which we didn’t have to begin...
1 year ago
David
Excellent service and very happy. Highly recommend and thank you Leo & Meghan! Best, David
1 year ago
Lydia
They have been excellent! Couldn’t have asked for better help and communication. They were very understanding and have been very patient with us over the last few months.
1 year ago
Sally
I'm really pleased with the service at Harrogatemoneyman and would definitely recommend them. Leo and Jo have been really helpful and supportive throughout the process.
1 year ago
David
Chris was brilliant at guiding us through the whole process. As FTB, you think you understand the process but there is so, so much more too it and having someone who you can ask questions almost anytime of the day, was something we could not have...
2 years ago
Rebecca
As first time buyers this whole process initially seemed very daunting. We spoke with Matt over the phone and he talked us through the process, was really positive and has got us through the process. It has been stressful but Matt kept us updated...
3 years ago
Maria
Me and my husband were looking to get a mortgage, we are first time buyers, so were wanted a stress free process and getting the most suitable deal for us. Harrogatemoneyman was amazing! Very professional, answered all our questions and kept us...
3 years ago
John
Fantastic service from start to finish. Every stage of getting a mortgage for a first time buyer was carefully explained with complete transparency of costs and what to expect. 100% recommend.
3 years ago
Salvatore
Joe and Meghan have been very helpful and professional. They have explained everything clearly and responded extremely quickly to our correspondence. We would certainly use your service again and recommend both Joe and Meghan to others.
3 years ago
Deanna
Amazing service & support! We are first time buyers and felt the process from start to getting our mortgage accepted was amazing & very smooth!! We were kept up to date regularly and felt comfortable to ask any questions. Special thank you to...
3 years ago
Charlie
Really impressed with the service from these guys, from start to finish the process has been so easy. Our situation was slightly different from normal but they still managed to get the mortgage sorted for us. They always kept us up to date with...
3 years ago
Deanna
Leanne was so friendly and approachable. Extremely helpful.
3 years ago
Laura
Fantastic service from start to finish. Matt was always on hand to answer my questions and explained everything clearly, along every step of the way. Thank you!
3 years ago
Heather
Polite helpful reassuring conversation. Very helpful.
4 years ago
Richard
Excellent from start to finish. Booked appointments that suited us even late evening! Found us a great deal on our mortgage and wage protections. Thanks Malcolm for all your help!
4 years ago
Gregory
First time buyer and the team at Harrogatemoneyman provided a 1st class service from start to finish. Excellent advice really quick service excellent product really cant fault them at all. I highly highly reccomend them just exceptional in everyway....
4 years ago
Alice
Very quick response from Hannah. Very helpful. Highly recommend
4 years ago
A mortgage advisor in Harrogate can help you set realistic investment goals that align with your financial situation and market conditions.
We can also clarify the distinctions between interest-only and repayment mortgages, aiding you in determining the most fitting mortgage type for your investment strategy if you’re unsure.
This application will encompass necessary documents, including proof of income and identification. The lender will subsequently evaluate your anticipated rental income to verify your ability to manage monthly payments and cover additional expenses like maintenance and repairs.
Once you secure your buy to let mortgage and acquire your rental property, it’s crucial to uphold appropriate insurance coverage to safeguard both yourself and your mortgage.
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 initial mortgage consultation.
The team at Harrogatemoneyman.com 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 most suitable 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.
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.
Existing landlords who have already built up a portfolio of buy to let properties consider investing in further opportunities. There are options for the landlord to remortgage one of the properties to release equity, which can cover the deposit for another buy to let property, which we can help with depending on circumstances.
If you’re looking to grow your buy to let portfolio through a Limited Company or Special Purpose Vehicle (SPV), this is a specialist topic that not all lenders will accept. However, speaking to a specialist mortgage advisor in Harrogate, we may be able to find you a suitable lender.
HMO mortgages are taken out on properties occupied usually by five or more people. They are particularly popular amongst landlords who own student accommodation.
These buy to let products can be challenging to find because not every lender will offer HMO deals. If you are considering applying for an HMO mortgage for a buy to let property, we recommend speaking to a specialist Mortgage Advisor in Harrogate.
These scenarios don’t mean our team hasn’t come across yours. For example, are you a first time buyer, first time landlord looking to invest in buy to let or have a complicated mortgage situation that requires help from an expert mortgage advisor in Harrogate? Please feel free to get in touch to speak with one of our Specialist Mortgage Advisors in Harrogate today.
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Harrogatemoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Harrogatemoneyman 2025.
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Harrogatemoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Harrogatemoneyman 2025.
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