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Buy to Let

  • To 70% Loan to Value
  • Common Sense Underwriting
  • No Maximum Age
  • No Credit Scoring
  • Adverse Credit Considered
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Buy to Let

In recent years Buy to Let has become a popular option for many people and the market has grown substantially since the credit crunch of 2008/09. A total of around 14% of all mortgages completing in 2014 were Buy-to-Let.

There are a variety of reasons our clients wish to take out a buy to let mortgage, such as:

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  • The wish to change your current home into a buy to let whilst at the same time buying a new home for you and your family – often
    called “let to buy” as you are letting out your existing home to buy a new one
  • Purchasing a new buy to let property as an investment
  • First time buyers wishing to purchase their first property as a buy to let
  • Clients aged over 60 wishing to purchase a buy to let property using cash from their pension
  • Remortgaging an existing buy to let property to release cash for home improvements, debt consolidation, school fees and other
    expenses
  • Have the property let on a slightly unusual basis such as a long assured shorthold tenancy agreement (AST), corporate let, or
    local authority let
  • They live or work overseas – and are classed as expats
  • They have been declined on credit score or for adverse credit by a high-street bank
  • Extending the length of their buy to let mortgage which may soon be coming to an end

With the recent tax changes announced by the Chancellor in the last few years, many customers are also looking to purchase buy to let property in the name of a limited company rather than their personal names – often called Limited Company Buy to Let or Ltd Co Buy to Let.

The new stamp duty surplus of 3% on second properties which came into force in April 2016 is also generating a number of enquiries from our clients who wish to purchase a buy to let property as their first purchase – often called first time buyer buy to let.

At RockHopper, we can look to assist clients with their buy to let mortgage requirements. We are often approached by customers for assistance in slightly unusual or non-standard situations. This could be that they have unusual income, wish to obtain a buy to let mortgage on a non-standard property, require to release equity from their existing buy to let for debt consolidation or another legal purpose.

At RockHopper we can look to assist clients looking to arrange buy to let mortgages either on a repayment or interest only basis. The minimum deposit requirement is 30% of the property value.

We appreciate everyone’s particular situation is unique, which is why we look at every enquiry on a case by case basis.

If you would like to see whether we can help you raise a buy to let mortgage on a property, do get in touch for a free no obligation quotation.

 

Best Deals – Buy to let

Lender Initial Rate Type For Then APRC* ERC* Fee
CCN 1.19% Fixed Mar-2023 4.74 4.4 31-Mar-2023 £1478
CCN 1.24% Fixed Mar-2023 4.74 4.4 31-Mar-2023 £1478
CAN 1.4% Fixed May-2023 3.35 3.8 02-May-2023 £1480
CAN 1.4% Fixed May-2023 3.35 3.8 02-May-2023 £1480
CAN 1.4% Fixed May-2023 3.35 3.8 02-May-2023 £1480
CCN 1.44% Fixed Mar-2023 4.74 4.3 31-Mar-2023 £1478
POS 1.5% Fixed Mar-2023 4.59 4.2 31-Mar-2023 £1478
POS 1.5% Fixed Mar-2023 4.59 4.1 31-Mar-2023 £1478
GOD 1.55% Fixed Apr-2023 4.49 4.2 30-Apr-2023 £1479
CCN 1.59% Fixed Mar-2023 4.74 4.3 31-Mar-2023 £1478
*APRC = Annual Percentage Rate of Charge
*ERC = Early Repayment Charge
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search:
Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £120000;Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: No Product Term Period From: 0 Months; Product Term Period To: 300 Months; .

The mortgage deals shown above are subject to individual status and a suitable security property. You may not be eligible for some or all of the deals shown given your status and/or the nature of the security property. For a more accurate indication as to mortgage deals you are eligible for, please contact us to discuss your specific situation and/or property.

Specialist Low Rate Mortgages

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Excellent service.

By: Mark Kemp
The remortgage was very clearly explained by the team. I was very pleased with the communication aft....
For service -  Resi/Remo/Lambourn
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Amazing service and great advice.

By: Andy
The RockHopper team were amazing and went out of their way to ensure I had a great experience and th....
For service -  Resi/Remo/Lambourn
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Miracle workers!

By: Dawn Crawford
David at RockHopper was friendly, reassuring and knowledgeable with our very difficult case. Ultimat....
For service -  Residential Purchase
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Totally professional and deicated to suceed.

By: Robert Payne
The team that address my application done it with such professionalism even through a difficult oper....
For service -  Resi/Remo/Bekynton
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By: Kenneth & Yvonne Stoves
Good service apart from length of time from start to completion due to this virus and other anomalie....
For service -  Resi/Purchase/Calder Road
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By: Stephen Boyd
Great service above and beyond the call of duty. Special mention for Rob Killeen, who achieved the a....
For service -  Resi/Remo/Kingston Hill
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RockHopper was the ONLY company that was able to help us secure a mortgage due to just having moved ....
For service -  Resi/Purchase/Cartvale
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Excellent

Excellent service from David Rostron. Always very quick to respond to queries and ended up getting m....
For service -  BTL/Purchase/Grand Union
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Great Service providing mortgages different to standard

By: Ryan Finnigan
Great offering, over and above what is the norm and go to a wide variety of lenders. Able to take al....
For service -  Resi/Purchase/TheCoachHouse
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Good service and communications

Very good service and advice. Helpful throughout the process of obtaining a mortgage and getting a g....
For service -  Resi/Remo/Carpenter
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By: Helen Murray
On the ball all the way until I got the mortgage offer, highly recommend Rockhoppers, even throught....
For service -  Resi Purch / Ingram Road
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Brilliant Service

By: Joe and Lucy
We were delighted with the service provided by Rockhopper. David Rostron and his team were incredibl....
For service -  Resi/Purchase
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Absolutely fabulous

By: Kevin Howe
Rockhopper managed to arrange and obtain me the best mortgage on the market for my needs even at a t....
For service -  Purchase
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Would definitely recommend RockHopper!

By: Brian Hughes
On hand when needed and open and upfront about costs ec.....
For service -  Purchase
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David Rostron went above and beyond in helping me to secure the right mortgage offer. He has now he....
For service -  Further Advance
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Easy to work with

Worked with me to ensure efficiency and the best offer for me given my constraints. Easy to work wi....
For service -  BTL Remo
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Would recommend to anyone!!

By: Ben
David and the team were excellent at getting the mortgage product we needed to secure our dream home....
For service -  Purchase
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Great service....
For service -  Residential Remortgage
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Great service throughout the process, very professional

Great service throughout the process, Very professional staff who have kept us well informed at all ....
For service -  Residential remortgage
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I would recommend Rockhopper and use them again. Our mortgage wasn’t straightforward but they foun....
For service -  Self Employed Buy to Let Remortgage
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Independent Customer Feedback
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RockHopper Mortgages is a trading style of RockHopper Origination Limited who is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

RockHopper Origination Limited is a company registered in England and Wales with company number 10241688. Registered Office:Rockhopper, Blackwell House, Guildhall Yard, London, EC2V 5AE

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

CONTACT US

Tel: 0203 621 5696
Fax: 0203 621 5697
Email:info@rockhopper.uk.net

Address: Rockhopper, Blackwell House, Guildhall Yard, London, EC2V 5AE

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