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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
BFU 1.59% Discount 2 years 5.64 5.3 2 years £1492
CCN 1.64% Tracker Jul-2024 4.74 4.4 31-Jul-2024 £1494
BPR 1.7% Discount Sep-2024 4.65 4.4 30-Sep-2024 £1496
BHI 1.7% Discount 2 years 6.19 5.5 2 years £1492
CCN 1.74% Tracker Jul-2024 4.74 4.4 31-Jul-2024 £1494
ACC 1.84% Discount Sep-2024 4.74 4.3 30-Sep-2024 £1496
BHI 1.85% Discount 2 years 6.19 5.5 2 years £1492
BHI 1.85% Discount 2 years 6.19 5.5 2 years £1492
SBS 1.86% Tracker 2 years 5.09 4.8 £0
ACC 1.87% Discount Sep-2024 4.74 4.3 30-Sep-2024 £1496
*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.
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David and Alex were very helpful in finding us a lender for our dream home. Thank you!....
For service -  Resi/Purchase/Austrey Lane
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By: Thomas Rae
They managed a remortgage when others could not. Would recommend to others.....
For service -  Resi/Remo/East Argyle Street
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By: Tim Wright
This was an excellent service from start to finish. Due to my circumstances ( paid in dollars) I cou....
For service -  Resi/Purchase/Heatherway
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Excellent service. Delivered my non standard mortgage. Anticipated challenges ahead and collected th....
For service -  Resi/Purchase/Monks Lane
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Had a great experience which resulted in successful purchase of our new home. Thanks to Alex Fryday.....
For service -  Resi/Purchase/Robson
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Very, very helpful and came through when others could not help (30+)

I wanted a mortgage at a particular LTV (20%) for a recent (less than 2 years) immigrant (Tier 2). I....
For service -  Resi/Purchase/Robson
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By: Andy Carmichael
We’ve had exceptional service from David and Alex to a difficult mortgage over the line. They have....
For service -  Expat/BuytoLet/Remo/King Edwards Road
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The best in the business.

Rockhopper has assisted me with my mortgage requirements on a number of properties. On every occasio....
For service -  Resi/Remo/Riddlesdown
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Highly recommended

By: Karl Davies
As a contractor earning salary in foreign currencies, I was unable to secure a mortgage via traditio....
For service -  Resi/Purchase/Hawthorns
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By: Francis Hornyold-Strickland
Great service. Lovely people and ended up with a great rate. My only suggestion would be to move awa....
For service -  ProductTX/Ferndale
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By: Gemma Hartley
A professional service from start to finish, good communication and helped me when other mortgage br....
For service -  Resi/Purchase/Upper St John St
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Rockhopper Mortgages are superbly professional and totally in control.

David Rostron and Alex Fryday of Rockhopper Mortgages were brilliant! I wanted to shuffle my mortgag....
For service -  BTL/Remo/Bay Tree
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Friendly, helpful and professional service.

By: Robert Cammidge
Friendly, helpful and professional service, took the stress out or re-mortgaging.....
For service -  Resi/Remo/Windham Road
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Superb service!

Excellent service from David and Alex, we were guided throughout the whole long process of our mort....
For service -  Resi/Purchase/Curlingham Crescent
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Excellent service

Refreshingly clear and straight forward process with strong, responsive communication.....
For service -  Resi/Purchase/Kenilworth Court
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By: Maurice Pickup
A very professional service.Guided through the process from beginning to end.Kept well informed thro....
For service -  Resi/Remo/Woodbine Cottage
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By: Alastair Finney
David and Alex were always very responsive and expert with their advice. Really excellent customer ....
For service -  JASP:Resi/Purchase/Parklane
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By: Rob Baines
Very helpful finding a tricky mortgage for our property with a cattery.....
For service -  Resi/Purchase/Greengarth
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Excellent service yet again

By: Dawn Crawford
This is our second time using Rockhopper - this time, for a remortgage. Yet again, they managed to s....
For service -  Resi/Remo/Heycroft
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Brilliant BTL refinance

By: Andy A
Dave and the Rockhopper team did a brilliant job of our £400k BTL refinancing despite a complex inc....
For service -  BTL/ProductTX/AxisCourt
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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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