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Are you looking to become a landlord by completing your first buy-to-let purchase? Perhaps you’re already a landlord with a good sized property portfolio to your name? Maybe you’re a first time buyer first time landlord, looking to transition from renting to renting out.
No matter which circumstance applies we are an experienced buy to let mortgage broker in Sunderland, with a great deal of knowledge in the various lenders buy to let mortgage criteria, utilising this in order to find the most appropriate buy to let mortgage deal for the goals you are looking to achieve.
Over our two decades of working across the mortgage industry, as a mortgage broker in Sunderland we have provided assistance to thousands of customers with countless different buy to let mortgages, helping build their property portfolios by getting them towards this new means of income generation and/or capital growth as part of their retirement plans.
If you are looking at your options for purchasing your buy to let property through a limited company (referred to as a Special Purpose Vehicle or SPV for short), our trusty team of mortgage advisors in Sunderland will be able to use the wealth of knowledge they have in this field too, and will be more than happy to talk through your mortgage with you.
If instead you are looking to discuss and compare taxation benefits, then this is something you will need to talk this through with a dedicated tax advisor as this is something that they will be better suited for advising on.
As well as helping customers with standard residential buy to let mortgages in Sunderland, we are also able to extend our services to helping with HMOs (houses in multiple occupation) and holiday let purchases.
The act of purchasing a property with a view to let it out can be very stressful, which is why we have dedicated expert mortgage advisors in Sunderland on hand to build customer relationships with hopeful, brand new and longtime experienced landlords, guiding them throughout the buy to let (or possibly let to buy) mortgage process(es).
The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.
Although this may vary from lender to lender, we tend to find the vast majority look for a deposit of about 20-40% of the property value. Factors like your property portfolio’s size, circumstances, and credit score determine the maximum amount you can borrow for a mortgage.
Also, there are some mortgage lenders out there with exclusive offers that are only accessible to existing homeowners who want to buy to let the mortgage in Sunderland.
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.
Our Customers Love Us
215 5 Star Reviews
Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
29 Oct 2026
Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
To discover what investment goals are achievable, it is best to book your free initial mortgage appointment to speak with one of our dedicated buy to let mortgage advisors in Sunderland today.
During this appointment, your mortgage advisor in Sunderland will determine whether it is best to take out an interest-only buy to let or a repayment mortgage.
Our mortgage advisors in Sunderland search through 1000s of mortgage deals to find the best buy to let mortgage product that may help your investment goals!
We will then get your mortgage agreement in principle, which can be a great tool to support all the property purchase offers you want to make.
When your offer has been accepted, your mortgage advisor in Sunderland will continue with your full mortgage application and forward any evidential documents to the lender.
During this process, your mortgage lender will stress-test your projected rental income to ensure you can afford all monthly payments, plus any other additional costs.
Whether you are a new or existing landlord with several properties to your name, making it is important to recommend relevant insurances to cover you in times of need.
We will also contact you when your buy to let the mortgage needs to be renewed to make sure you are on the most suitable deal for your investments.
There are a lot of different reasons why a landlord may look to make an investment within the property market.
As your trusted mortgage advisor in Sunderland, we are here to provide you with help and guidance. Get in touch with us today and we’ll book you in for your free initial mortgage appointment.
We have a great deal of mortgage knowledge when it comes to working with buy to let mortgage lenders. As an experienced mortgage broker in Sunderland, we have a large amount of lenders who have buy to let mortgage products, some of these more specialist and all with their own unique lending criteria.
Some become landlords for potential future property or capital growth, whilst others do it to provide a boost to their existing income.
From time to time we’ll see landlords creating plans for the long-term, looking ahead to the future as a means to create a nice, comfortable retirement once they’re ready to leave work life behind.
You may also be able to take out a remortgage on your current property onto a buy to let and at the same time, raise capital to put towards the deposit of a new home.
We have many years of experience working with budding and existing landlords, building relationships with them as their portfolios grow. Get in touch and we will take a look at the ways we can help.
We may be able to help you out! Transactions like these are given the name of let to buy mortgages and this is something we encounter on a regular basis when talking to customers.
Our trusted team of mortgage advisors in Sunderland will work hard to help you make arrangements on your new purchase and existing property mortgage and provide expert mortgage advice in Sunderland.
If you are considering switching up your current home and making it a buy to let investment prior to moving home in Sunderland, we definitely recommend speaking to a mortgage broker in Sunderland.
Utilising our years of mortgage market experience and knowledge, we have the ability to recommend our customers the most suitable buy to let mortgage product based on your personal and financial situations.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Read our 14 Reviews
Sunderlandmoneyman 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.
© Sunderlandmoneyman 2009–2026
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Sunderlandmoneyman 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.
© Sunderlandmoneyman 2009–2026
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