Buy to Let Mortgage Advice in Sunderland

Get Your Free Consultation 7 Days a Week

Reviews io White Logo

Read our 12 Reviews

Reviews IO Stars

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

Are you looking to become a landlord by completing your first buy-to-let purchase? Perhaps you’re already a landlord have 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 on working across the mortgage industry, 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.

Buying a Property Through a Limited Company in Sunderland

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 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 (House of Multiple Occupancy) 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).


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:

Mortgage Lenders 001
Mortgage Lenders 002
Mortgage Lenders 003
Mortgage Lenders 004
Mortgage Lenders 005
Mortgage Lenders 006

Common Buy to Let Mortgage Scenarios

  • Are you a first-time landlord looking to make an investment in the property market?
  • Are you an existing and experienced property investor looking to create an expansion in your property portfolio?
  • Is your buy to let mortgage up for review and you are looking at your options for remortgaging onto a better deal?
  • Perhaps you’re looking at taking out a buy to let remortgage to save some money?
  • Are you looking to raise capital from a property in your buy to let portfolio?
  • Maybe you are looking to convert a residential property into a buy to let?
  • You haven’t bought a property in a while and looking for mortgage help?
  • Would you prefer to work alongside a trusted mortgage broker in Sunderland?
  • Have you found yourself with complications when trying to go direct to your own bank?


Our Buy to Let Mortgage Advice Services

  • Buy to let with pension
  • New landlords
  • Capital raising/debt consolidation
  • Turn your existing home into a buy to let
  • Existing landlords
  • Remortgage deals
  • Something more complicated?


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.


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.

Buy to Let Mortgages Sunderland

There are a lot of different reasons why a landlord may look to make an investment within the property market.


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.


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.


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.


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.


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.


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 mortgage appointment.

Reviews Stars5.00 Rating12 Reviews

Common mortgage

This can vary between 20%-40%, though the minimum deposit for a buy to let mortgage is generally 25% of the property value.

Your free initial mortgage consultation with a mortgage advisor in Sunderland will last round about one hour. They will then recommend a mortgage for you, wherein you have no obligation to proceed and you can decide whether or not that particular deal is something you’d like to go forward with.

As a trusted and well experienced mortgage broker in Sunderland, we will first carry out a Fact Find to establish your personal needs, before we begin searching and recommending the most suitable mortgage for you. A credit check will be required for an Agreement in Principle. A formal mortgage offer can be issued once you have provided all the relevant documentation and a valuation of the property has been undertaken.

To avoid any kind of disappointment with a property, we recommend you obtain an Agreement in Principle before you begin property viewings in Sunderland. We would say that at the very latest, you should obtain one before you start to make offers, in order to assist your bargaining position.

A standard Agreement in Principle typically lasts for around 30 to 90 days depending on the Lender. If your Agreement in Principle expires, you can get it easily refreshed.

You may have the option of getting a second mortgage on your home for things like debt consolidation or Home Improvements. This can also be possible if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

If you have had credit problems previously in life, you may still have a chance at obtaining a mortgage, but you may be required to put down a higher deposit than usual. This could be be 15% of the property purchase price.

Once you have submitted at least one year’s accounts to the lender, you may be eligible for a mortgage. Most Lenders will calculate the maximum mortgage with salary plus dividend, whereas others sometimes go off your net profit.

A lender will usually need three payslips for an employee to prove income and the latest 2 years’ accounts for an applicant who is self-employed. You will also need to provide them with proof of ID, address and 3 months’ bank statements.

Your free consultation with a mortgage advisor in Sunderland will typically lasts up to an hour or so. We have the ability to turn round an agreement in principle within 24 hours. A formal mortgage offer has been known to take 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.

Handy quick links & Sunderlandmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at

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

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

© 2022 Sunderlandmoneyman

Sunderlandmoneyman – Hope Street Xchange, 1-3 Hind Street, Sunderland, SR1 3QD

Moneyman Logo

Moneyman Logo

Moneyman Logo

Ask Your Question

    Moneyman Logo

    Moneyman Logo

    Moneyman Logo

    Book your Free Consultation

    7 Days 8am - 10pm

    Moneyman Logo

    Moneyman Logo