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Welcome to your Resident Broker – A Leading Buy to Let Mortgage Brokerage - call us on 0845 345 3599
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Welcome to Resident Broker, a leading brokerage providing buy to let mortgages and property finance advice in the UK. You will find a whole host of useful tools and resources on this website, from our weekly take on the property finance news in John’s Blog, or our up to date knowledge base of lenders and criteria, to our bestbuy to let mortgage sourcing tool, SpyToLet™.
Buy to let mortgages have now become the definitive way for people to finance an investment property.
They are available whether you're looking at investing in your first property or expanding your existing property portfolio. Buy to let mortgages can be used for buying a new property, moving your mortgage from another lender or even to borrow more.
So, how do you find a buy to let mortgage suitable for you?
The quick answer is give us a call - 0845 345 3599 - and we will explain how we can help.
Like residential mortgages you are going to be faced with a huge amount of choices for buy to let mortgage. In fact often the more choice you have for buy to let mortgages, the more confusing it gets. Are you looking for a tracker or a fixed rate? How long do you want your mortgage for?
I'm sure by now you have come across one of the following:
• Best buy tables: They can give you an indication of what rates are on offer but they can’t help with much else. A buy to let mortgage specialist will guide you through the different criteria that each lender applies.
• Contact forms: Do you know where your details are going? Many buy to let mortgage internet sites are simply contact forms which are passed on to any number of mortgage brokers. Make sure you work with a company who has a history of successfully helping buy to let investors with the best buy to let mortgages.
So, why us?
This is where Resident Broker can really help. As an impartial buy to let mortgage brokerage (did we mention award winning?), we specialise in buy to let mortgages and have years of proven experience in helping both new and experienced property investors.
Rather than being tied to any one lender, we work directly for you for solving buy to let mortgage issues.
We have access to lenders not available on the high street as well as exclusive products.
You don't need to walk the streets, check out the best buy tables or keep searching the internet for getting the best buy to let mortgage. Let us take away the hassle and do it for you.
What to do now?
So join the thousands of other investors who successfully use our services of providing the best buy to let mortgage every day and give us a call. You will find that our experienced brokers also invest in property and so are uniquely placed to offer you the specialist advice you need to make an informed buy to let mortgage decision.
Call us now on 0845 345 3599 and let us take away the stress of finding a buy to let mortgage.
The Budget announced yesterday had quite a few surprises for property investors - mostly good surprises! The property investors choice of accountant Stephen Fay ACA explains the key points...
Capital Gains Tax
· Higher rate tax payers to pay 28% from 23 June 2010 · Basic-rate taxpayers continue to pay 18%
This was the main tax concern for property investors, and the new regime is really quite reasonable, given the potential for CGT rates to be fully equalised with income tax rates (meaning 40% or even 50%!)
Buy to Let mortgages are the latest products mooted to feel the cold embrace of government regulation, as they are now proposing to extend the remit of the FSA to include all such investment finance. This has in fact been on the cards for quite a while now and I dont think has come as too much of a surprise following the wave of regulation fever.
The impact of such a move shouldn't make too much of a difference from a mortgage advice point of view, (here at Resident Broker we treat buy to let mortgages in a similar way to regulated mortgages anyway), however it may have connotations from a lending point of view - after all if the concept of affordability is passed onto buy to let mortgages then it may tighten the amount lenders are prepared to lend to any one person. Better get those mortgages in quick then!
Interest rates - will they, won't they? (rise, that is)
For the switched on property investor, like your good selves, what will happen to interest rates over the next few years is more than idle curiosity.
It can and will have a dramatic impact to your profits yet it's impossible to look into the future and know what's going to happen.
So with that in mind I'm going to give you a quick 30 second guide - and what my thoughts are to the 'inflation nutters' versus 'rate doves' debate:
Viewpoint 1: Why rates will rise
The 'inflation nutters' think that the measures aimed at reviving the economy - rate cuts and quantitative easing will create extensive price rises and therefore rate rises will be needed to prevent hyperinflation taking hold.
Best quote of the last couple of weeks is definitely from Matthew Wyles chairman of the Council of Mortgage Lenders. He said the Financial Services Authority sees mortgage lenders and mortgage intermediaries as the drug-dealers at the "school gates" of the mortgage market.
He muses, "Regulators see lenders and intermediaries as the sweetshop owners - or worse, the drug-dealers at the school gates of the mortgage market, enticing innocent consumers in and then getting them hooked, for their own evil profit-driven purposes."
I just wanted to assure you that in no way, shape or form do I see myself as a sweetshop owner.
Buy to Let mortgages are the latest products mooted to feel the cold embrace of government regulation, as they are now proposing to extend the remit of the FSA to include all such investment finance. This has in fact been on the cards for quite a while now and I dont think has come as too much of a surprise following the wave of regulation fever. 
Best quote of the last couple of weeks is definitely from Matthew Wyles chairman of the Council of Mortgage Lenders. He said the Financial Services Authority sees mortgage lenders and mortgage intermediaries as the drug-dealers at the "school gates" of the mortgage market.