MORTGAGE FOR INVESTMENT PROPERTY
Vista mortgages have a wealth of experience in advising on Buy-to-let mortgages in Stockport.
Whether you are an accidental landlord, you have an investment property as part of your pension plans, or you are a professional landlord with a portfolio of properties we have the knowledge and experience to provide you with the best buy-to-let mortgage advice.
There are a vast array of mortgage options available to landlords and each landlord has very different and specific requirements. We have the required experience to ensure we recommend the most appropriate product for your needs. Buy-to-let mortgage lenders will consider vastly different criteria to the standard residential mortgage criteria and we can guide you through the process.
Finding the most suitable mortgage for a buy-to-let property in this market has become an increasingly complex process, however Vista Mortgages are at hand to guide you through the purchase or remortgage of your investment property.
HOW DO WE HELP LANDLORDS
BUY TO LET MORTGAGE ADVICE
FACTFIND - an initial meeting (face-to-face, Skype or telephone). Our adviser will fully assess your current situation and future plans to get a picture of what you want your mortgage to provide. The adviser will find out what you are looking to acheive with your Buy-to-let mortgage.
SOURCING - based on the information gathered at the factfind meeting our adviser will source your mortgage based on whole of market advice.
PRESENTATION/APPLICATION - the adviser will present back his findings and recommend the most appropriate mortgage product based on the information given at the factfind. If you are happy to proceed based on the advice, the adviser can apply direct to the lender packaging up the mortgage and dealing directly with the lender on your behalf
POST APPLICATION SERVICE – Our adviser will regularly contact your recommended mortgage lender providing them with all required paper work and supporting documentation. We give regular updates on how the application is progressing and deal with any queries you have. With your permission we can also liaise with you solicitors and estate agents to help progress the sale.
HOW MUCH DOES OUR SERVICE COST?
There is NO FEE for our mortgage advice. It is a completely ‘FEE-FREE’ service. Vista Mortgages earns commission directly from the mortgage lender which will be clearly highlighted in the mortgage quote shown on a Key Facts Illustration Plus (KFI+) or European Standardised Information Sheet (ESIS) document presented when making an application. A fee may be charged by the Lending institution providing the mortgage in the form of a booking fee or arrangement fee, which would be paid directly to them and detailed prior to an application.
When selecting which mortgage company to use we recommend that you check what fees the company charge. Some of our competitors charge a variety of fees including broker fees, arrangement fees or application fees. These fees can often be as high as 1% of your mortgage amount which would be £1,000 on a £100,000 mortgage loan. We do not charge a fee for our advice.