Bespoke Finance has access to every buy to let lender and there products throughout the UK and have direct contacts with the lenders. A totally independent whole of market national Buy to Let Mortgage Broker, based in Leeds / Bradford making available the Best Buy to Let Mortgages to Portfolio, First Time and Young Landlords and Commercial Buy to Let.

Serviced Areas

  • Bradford & Leeds

Contact Details

  City Bradford
  Postcode BD4 8BX
  Address Bradford Chamber Business Park, New Lane
  Phone Number 012 7192 5172

From Our Website

Yes - some mortgage lenders (your existing lender) offer a rate transfer or product switch. Allowing you to obtain a new mortgage rate and move away from the mortgage lenders SVR. Lenders treat product switches differently - for many, they do not revalue the property or complete new stress tests or recheck you via there current criteria. Unfortunately, product switch products may not be as competitive as other lenders, or the lender's remortgage products themselves. Landlords, can increase rental yield simply by keeping a close eye on when the initial mortgage product comes to an end.

Compare buy to let purchase mortgages with nationwide specialist mortgage advisers online. You can save money when you compare buy to let purchase mortgage rates with quotes from some of the leading mortgage providers in the UK. The rules around landlord finance can be complicated from unusual properties, rental stress tests, limited company buy to let and more so for portfolio landlords. Your circumstances can limit options from minimum income, credit score and experience. With Bespoke Finance you can apply online for a free enquiry and receive advice from mortgage advisers specialising in property investment finance.

There are costs in moving a property from personal to a limited company. The first step is to ensure you know the advantages and disadvantages. Proceeding with the best course from the outset. Changing your mind later and moving property can result in Capital Gains Tax and Stamp Duty (SDLT). It's also not a one or the other choice. If you are a portfolio landlord you can have some in personal name and some in limited company. Company formation can take up to 48 hours. Once you have your company number, you can set up a bank account.

Auction Finance is quick finance for your auction property purchase. When you make the winning bid an auction house will give you 28 days to pay the balance in full. A typical mortgage takes two months to complete. You will typically find Bridging Lenders are also Auction Finance Lenders. Whilst there is a difference, it is about time and ensuring the lender can complete promptly. Finance is available for Trading Limited Companies but lenders prefer new Special Purpose Vehicles (SPV) with no trading history or other activities.

An HMO is a rental House that has Multiple Occupants from multiple families, sharing facilities and typically renting. The full name is a House in Multiple Occupation ( HMO ). That's as complicated as it needs to get but some may get confused as you learn more. A property can be a House in Multiple Occupation (HMO) with or without the need of an HMO Licence. In comparison to renting a property to a single family. The rental income from multiple occupants oftren result in higher aggregate rental income.