No face-to-face appointment is required for mortgage work, unless you would prefer to have one. As an independent mortgage broker we process most mortgage applications entirely based on phone and email conversations, which means less hassle for you, and faster mortgage approvals.
Our Boston Spa-based buy to let mortgage advice service is fast, efficient, and for mortgages over £150,000 is completely free.
We will receive some commission from whichever lender we recommend, if a mortgage application goes ahead, so for larger mortgages we don't need to charge a fee. Our fee structure is as follows:
- Mortgages over £150,000 = No fee
- Mortgages between £125,000 and £150,000 = £145 fee
- Mortgages between £100,000 and £125,000 = £295 fee
Due to time constraints we are sadly currently unable to help with mortgages of less than £100,000.
How can Harris Independent Financial Advice help?
Based in Boston Spa, we are IFAs and mortgage brokers and advise clients based anywhere in the UK on buy to let mortgages and building a buy to let portfolio.
Just as for residential mortgages, applying for a buy to let mortgage has become a much more time consuming and tiresome task for consumers in recent years. Some lenders have started to insist that an IFA is used, and most others have added significantly to the amount of evidence required for an application. Comparing deals is just as difficult too, with mortgage companies deliberately using low interest rates to lure you in to products with high initial fees and long lock-in periods.
Our buy to let mortgage broker advice service takes care of all of this for you, whether your property is in Yorkshire or elsewhere in the UK. Just as for residential mortgages we will discuss your mortgage needs, use state of the art software to find the best products and work with you to select the right one for you, apply online for you, and supply all the evidence that the mortgage lender needs. Where you need a decision fast we can usually get you a "decision in principle" from a mortgage provider within a few hours of your request.
We advise on most types of buy to let situation, including:
- First time and experienced landlords
- New purchases and remortgages
- Converting a residential property to a buy to let property ("let to buy").
- Applicants with only a 20% deposit (25% is usually the minimum)
- Mortgages for applicants with credit difficulties in the past
- Buy to let mortgages for directors and the self-employed
- Capital raising on a buy to let property
- Building a portfolio to maximise rental yield and profit
- "Portfolio landlords" (i.e. those with 3+ buy to let mortgages)
Please note that we don't arrange mortgages for limited companies, holiday-let properties or self-build projects.
Why choose Harris Independent Financial Advice?
We have arranged buy to let mortgages for clients in all kinds of situations. Because we are fully independent buy to let mortgage brokers we have access to all lenders in the market and will recommend the best product for you, without bias, including those available from high street banks and from specialist lenders who only work via intermediaries such as ourselves. While we are based in Boston Spa, West Yorkshire, we can arrange buy to let mortgages for clients based anywhere in the UK.
What is the process?
We will gather information on your situation via phone, email or a face-to-face consultation,whichever method suits you best. We will then search the market for the best mortgage products for you, and agree with you which product and provider will work best. We will then fill out the application forms online on your behalf, and gather any evidence that the lender requests. We will also, if you wish, recommend a good local solicitor to carry out any conveyancing work required.
What do our customers say?
For mortgage-related customer feedback please see our testimonials page.
