Buy to Let Mortgage Advice in Liverpool

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Are you a homeowner interested in entering the world of buy to let and becoming a landlord? Or perhaps you’re an experienced landlord with an extensive portfolio seeking to expand your property portfolio? Maybe you’re a first time buyer and aspiring landlord, looking to take the first step from renting homes to renting them out.


Regardless of your level of experience, our team of buy to let experts in Liverpool are here to help. As a mortgage broker in Liverpool with a wealth of knowledge on buy to let mortgage criteria, we can provide valuable insights and guidance to ensure you secure the best possible mortgage deal for your investment goals.


We have been helping customers to obtain buy to let mortgages in Liverpool for many years now. During this time, we have helped hundreds of customers with various buy to let mortgages, ranging from those seeking a new income stream, to those aiming for capital growth as part of their retirement plan.


Our team understands that investing in property can be a complex and daunting process, which is why we’re committed to providing a personalised service that caters to your unique circumstances.


Whether you’re interested in purchasing your first buy to let property, taking out a buy to let remortgage on an existing property, or something else, we’re here to help you achieve your goals.

Buying a Property Through a Limited Company in Liverpool

Are you considering investing in a buy to let in Liverpool and wondering what your options are when using a limited company or Special Purpose Vehicle (SPV)?


Our team of experienced mortgage advisors in Liverpool have gathered a wealth of knowledge over the years and can provide you with expert guidance on securing a buy to let mortgage using an SPV.


On the other hand, if you’re interested in comparing the taxation benefits of purchasing a buy to let property through an SPV, we recommend seeking advice from a specialist tax advisor.


They can provide you with tailored advice and help you make an informed decision.


In addition to assisting homebuyers with standard residential buy to let mortgages in Liverpool, we have extensive knowledge in HMOs (House of Multiple Occupancy) and holiday let purchases.


We can help you navigate the challenges of these property investments and find the right buy to let mortgage deal to suit your needs.


We understand that purchasing a property to let out can be a daunting task, especially if you’re new to the property market. That’s why our team of expert mortgage advisors in Liverpool are here to help guide you through the process.


Whether you’re a first time landlord or an experienced investor looking to expand your portfolio, we can provide you with the support and mortgage advice in Liverpool that you need to achieve your goals.


So why not get in touch with us today and find out how we can help you make the most of your buy to let mortgage in Liverpool?


How does it work?Get a Quote NowMeet Your Advisor

The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.

We search 1000s of mortgage deals across a large number of lenders, including:

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Common Scenarios for Buy to Let in Liverpool

By working with numerous landlords on their buy to let mortgages in Liverpool, we have gained extensive experience in dealing with a wide range of customers and their unique circumstances.


During your free buy to let mortgage appointment, we can discuss a variety of mortgage options, including:

Buy to Let Remortgage Options & Deals

If you’re a landlord with a collection of buy to let properties, you may be interested in adding more to your portfolio.


To make up the deposit for new properties, buy to let landlords will  often consider remortgaging to release equity from their buy to let properties.


In case of difficulties in paying back mortgages on time, Liverpool landlords may choose to borrow against another property to pay off debts, rather than selling their properties.

Limited Company Mortgages / Special Purpose Vehicles (SPVs)

Although there are advantages and disadvantages to this approach, some landlords choose to expand their portfolios by buying properties through a Limited Company or SPV (Special Purpose Vehicle).


If you’re considering this option, it may be useful to seek the help of a specialist mortgage advisor in Liverpool. They can advise you on the most suitable path to take.

HMO Mortgages

Houses of Multiple Occupation (HMOs), which are properties housing five or more individuals, are a popular choice for landlords who rent to students.


Whilst this may be the case, not all mortgage lenders offer HMO mortgage deals, which can make finding suitable products difficult.


We advise seeking guidance from a specialist mortgage advisor in Liverpool if you plan to apply for a HMO mortgage.

Buy to Let Mortgages in Liverpool

Throughout our more than 20 years of experience in the mortgage industry, we have come across a wide range of situations and helped numerous clients achieve their property goals.


Whether you are a first time buyer in Liverpool taking your initial steps to invest in the buy to let market, or someone who is experienced in buy to let mortgages, requiring the help of an expert mortgage advisor in Liverpool, our team of experienced and dedicated mortgage advisors are here to help.


We understand that buying a home or investing in property can be a daunting process, which is why we pride ourselves on providing tailored and personalised mortgage advice in Liverpool to each of our customers.


We take the time to understand your unique situation and goals, and we use our expertise and knowledge of the mortgage market to help you find the most suitable mortgage deal for your needs.


So, whether you are looking for a buy to let mortgage, a residential mortgage, or specialist mortgage products like HMO mortgages or limited company buy to let mortgages in Liverpool, we have the expertise and experience to guide you through the process.


Get in touch with our team today to speak to a specialist mortgage advisor in Liverpool and take the first step towards achieving your property goals.

Why choose us for buy to let mortgage advice in Liverpool?

Investing in the property market is a popular choice for many people looking to make a living, for various reasons.


For some, the possibility of future property or capital growth is a key motivator, whilst for others, investing in property provides an additional source of income to supplement their monthly earnings.


We also frequently encounter landlords who are making long-term plans, with the goal of creating a comfortable retirement for themselves once they leave the workforce.


Investing in property can be a smart and profitable way to create a source of income and security for the future.


If you are considering turning your current residential property into a buy to let in Liverpool, it’s important to seek trusted and expert mortgage advice in Liverpool.


Our team of dedicated and approachable mortgage advisors in Liverpool are here to help you navigate the process of arranging your new purchase and managing your existing property mortgage.


In addition, you may have the option to take out a remortgage on your current buy to let property as a means of raising capital to put towards the deposit for another property purchase.


Our team can help you explore all of your options and find the best solution for your unique situation.


We are committed to providing you with the guidance and support you need throughout the process,. Book your free mortgage appointment today so we can discuss your specific needs and goals.

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Common mortgage

As your Mortgage Broker in Liverpool, our first job is to carry out a Fact Find on you to get a bigger picture of your personal and financial situation, so that we can recommend the most suitable mortgage for you. In order to obtain an Agreement in Principle, you will also need to have a credit check performed on you. Once you have provided all the relevant evidential documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

Buy to Let deposits can vary, a lot has to be considered by the lender and that is why it can be as little as 20% up to 40%. In Liverpool, we mostly see lenders wanting a minimum at 25%.

Your free mortgage consultation with Liverpoolmoneyman will last around 30 mins. After your details have been taken, a Mortgage Advisor in Liverpool will then search through thousands of mortgage deals to find a perfect matching deal for you. Once we recommend the deal, you can decide whether to proceed with us or not, it’s completely up to you!

We always recommend that you obtain an Agreement in Principle before you start viewing properties in Liverpool, as they can potentially put you in front of other buyers who don’t have one. Lenders will like the fact that you have prepared before making an offer.

An Agreement in Principle typically remains valid for between 30 and 90 days, but this can change depending on your lender. If your Agreement in Principle expires it can always be refreshed. A Mortgage Broker in Liverpool like us can usually get one sorted for you within 24 hours within your application.

Yes, you can get a second mortgage. You can take out a second mortgage for your current home for things like debt consolidation and home improvements. It is also possible to take out a second mortgage for another property if you want. Usually, this situation comes about when people are interested in a holiday home, are buying for a friend/family member or want a Let to Buy or Buy to Let.

It is possible but it can be a bit tricky though. When you have had previous credit problems your minimum deposit that is required could rise, we have seen it at 15% before. Having a Specialist Mortgage Broker in Liverpool could really help you get back on track in situations like these.

After you have proven at least one year’s accounts to your lender, you should be able to get a mortgage. Most lenders in Liverpool will use your salary plus dividend to work out your maximum mortgage, however, some can go off your net profit.

If you’re an employee, you will usually have to supply three payslips in order to prove your income. If you are Self Employed in Liverpool its normally the latest 2 years’ accounts. You will also need to produce proof of ID, address and 3 months’ bank statements.

Our free initial mortgage consultation can last up to 30 mins. As an experienced Mortgage Broker in Liverpool, after we have all of your information we can get you an Agreement in Principle within 24 hours or your phone call. On average, a formal mortgage offer takes about three weeks.

We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links & Liverpoolmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

© 2023 Liverpoolmoneyman

Liverpoolmoneyman, Rodney Chambers, 40 Rodney Street, Liverpool, L1 9AA.

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