Getting the right Buy To Let mortgage can increase your profits and protect your investment.
Challenge us to find you a better rate!
It’s important you get the right advice so you don’t make a costly mistake.
We’ve been helping the Nepalese community invest in property for 30 years. We speak English and Nepali, so we can explain your options properly. We’ll find the most suitable deal available to you and guide you every step of the way.
Chat with us for a FREE initial consultation and we’ll explain everything you need to know!
It takes less than 60 seconds…
Whether this is your first Buy To Let property or you own others, we can help you get the most out of your new investment. Our advisors know the criteria for each lender and have access to all the products available. There is a lot to understand about Buy To Let mortgages, and we’ll explain everything to you. We speak English and Nepali and it’s FREE to chat!
Buy To Let is changing.
The Buy To Let market can change. Staying up-to-date can be difficult without professional help. We’ll explain your options to you so you can make the right choice, and guide you every step of the way. It’s our job to give you the right advice.
How we can help you.
We hope you are excited about your new Buy To Let property! Getting the right mortgage can be stressful, but we’re here to help you. We’ll talk with your lender, estate agent, and solicitor to make sure it goes smoothly. We speak English and Nepali, so with us it’s easy.
If you’re a parent looking to help your child purchase a Buy To Let property a JBSP mortgage could be your best option.
Many parents want to help their children invest in a Buy To Let property. One way of doing this is by using a JBSP mortgage. These products allow the supporting family member or friend, typically a parent, to enter into the mortgage with their child. This can help the child purchase a property that they would otherwise not be able to.
The difference between a JBSP mortgage and a normal joint mortgage is that the parent won’t be named on the title deeds of the property. So the parent won’t legally own any share of the property, and therefore won’t have to pay any stamp duty tax. With a normal joint mortgage, assuming the parent already owns their own home, the purchase would be treated as a second home and they would therefore owe stamp duty tax. With a JBSP mortgage, the parent won’t have to pay this tax, potentially saving thousands of pounds.
The parent will also not be entitled to any profits resulting from rental payments or an increase in the property’s value. This can be an advantage for parents who would like their children to benefit fully from the investment. It also means the parent is not liable for tax on the rental income or capital gains tax when the property is sold.
How do you get a JBSP Mortgage?
There are things we will need to discuss with you before applying for a JBSP mortgage. We recommend booking your free chat and for both parties to come to the meeting (parents and child or example).
We’re experts in this type of mortgage, and we speak English and Nepali, so we’ll be able to explain everything to you clearly. Not all lenders provide JBSP mortgages, but we have access to a wide variety of lenders so we’ll be able to find the right product for your situation.
If you want to purchase a Buy To Let property with 2 or 3 other people then a Multiple Person Mortgage could be your best option.
It’s common for 2 people to get a joint mortgage together, often used by couples or investment partners. But many lenders also allow 3 or 4 people to take out a mortgage together, often used by families or groups of friends who are looking to pool their money to purchase a Buy To Let property.
As a group, your deposit and income are likely to be much more attractive to lenders, and therefore you should be able to borrow more money and get a better rate than you would by yourself.
Different lenders have different criteria when it comes to who can take out a Multiple Person Mortgage, and we can help you decide which lender is right for your situation.
How do you get a Multiple Person Mortgage?
Multiple Person Mortgages can be a great way of investing in property as a group. However, there are a few things to think about and discuss before going ahead and it’s important you speak with an experienced advisor. We’re experts at this type of mortgage, and we also speak English and Nepali so we can explain everything you need to know.
Not all lenders offer Multiple Person Mortgages and the ones that do have different criteria. We have access to all the lenders and we understand the criteria for each, so we can find you a mortgage that fits your needs perfectly.
Book your FREE chat with an expert Multiple Person Mortgage advisor.
What do we charge?
It’s completely free to come and chat with us!
If we find you a great deal and you decide to use our service, our typical fee is £595. This can be slightly higher if your case is particularly complicated, but it can also be lower. We’ll confirm your exact fee before you have to commit so you can make an informed decision.
We’re so confident we’ll find you the right mortgage that you’ll receive a full refund if you’re not successful. In other words – No Mortgage Offer, No Fee.
Our typical fee of £595 is split into two payments to make it easier for you:
£100 is due when we apply for your mortgage.
£495 is due once you have received your offer.
Remember, you won’t be charged anything for your initial consultation, so don’t miss out on some free advice!
We speak English and Nepali, so we can help you understand everything you need to know.
We’ve been helping the Nepalese community for 30 years and thousands of happy customers have used our service.
As impartial mortgage advisors, we have access to the full range of products and have extensive knowledge of each lender’s criteria.
We’re proud to have been voted Best Mortgage Broker in the South East! Awarded by the HLP Mortgage Network.
We can come to your home or you can come into one of our offices. We’re open all week and Saturday morning.
Your first chat with us is completely free, you will get some great advice and there is no fee until you decide to use our service.
We’re so confident we’ll find you the right deal that all fees will be refunded if you’re not successful.
If you’re self-employed we can still find you a great mortgage. In fact no matter what your situation we should be able to help you.
how it works
It’s as simple as ABC…
But it’s not ABC.
Spend Spend seconds filling out a few questions online, or give us a call
We handle everything for you – from applying for the best deal to doing all the paperwork
This one’s self-explanatry, just sit back and enjoy the fruits of your new mortgage
