Leeds:Location iconYork:Location icon

Call us on: 0113 320 0720 | 01904 500502

Leeds:Location iconYork:Location icon

Call us on: 0113 320 0720 | 01904 500502

Buy to Let Mortgages

Investing is a tricky business these days. Pension funds can reflect the volatility of the stock market, while gold and commodities can suddenly decrease in value as fast as they can increase.

However, almost all investment advisors agree that one of the best investments in the medium to long-term range is property. While there have been notable, short-term slumps in the value of houses and flats across the U.K., including a fall in 2008 and 2009, things are improving and property is regarded as a solid, longer term investment.

If you are keen to expand your portfolio and want to buy property in addition to the home in which you live, Will Assist Mortgages can help you obtain a buy to let mortgage. We have access to hundreds of these products and can help you choose the right one for your needs.

If you believe that buy to let is beyond your grasp because you do not have a deposit, think again. Many first-time investors use a strategy of remortgaging their own home in order to free up financial resources. This money can then be used towards the purchase of property.

At Will Assist Mortgages we have trained and experienced advisers who will assist with the planning of your portfolio. We′ll ask you relevant questions about your investment strategy and what you want to achieve, both in the mid-term and longer-term. We′ll work with you to help you achieve your goals in a realistic and affordable manner, and in a way that helps you reap rewards.

We can also help you with your longer-term planning. We′ll work with you to help you enter the buy to let market and create an exit strategy for your retirement time, or earlier if you wish. Let us take the work out of this complex and often difficult process, and take care of all the paperwork, too.

Buy to let is a good and solid option for most investors, but there are some things that you should remain aware of and take into consideration before proceeding.

Firstly, one of the best ways to success is to study the market carefully, so location and quantity of existing rental accommodation are important factors. Consider proximity to schools, transport routes, and local facilities such as supermarkets, shops, doctors′ surgeries and entertainment facilities.

Bear in mind that rent rates vary across the country. Currently rents are highest in the south east of England and in larger cities. But there are no guarantees that you will be able to continually rent out your property and cover the cost of your mortgage with rental payments from tenants. There will likely be times when the property is not rented out.

Managing property and tenants is complex, subject to laws and regulations and is very time consuming. If you work full-time or have other commitments, then using a lettings agency is a good idea. Landlord packages vary from simple to fully-managed. An agent can take care of finding and vetting tenants, management, safety certificates, utilities, administration, paperwork and much more. Or an agent can just find tenants and collect rent. Whatever level of service you choose, it can offer peace of mind, but it does cost a monthly fee.

Use the calculators here to determine how different types of mortgages with different variables will work for your budget. Then contact Will Assist Mortgages for unbiased, expert and professional advice on a buy to let mortgage. We work with you to help make your dream of being a property investor a reality.

You may have to pay an early repayment charge to your existing lender if you remortgage.

There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.

The Financial Services Authority does not regulate some forms of buy to let mortgages.

Rental Cover Calculator - Interest Only *    
Purchase Price of Property (£)  
Deposit (%)  
Interest Rate (as stated by lender *) (%)  
Monthly Interest Only Payment  
Cover Required (as stated by lender *) (%)  
Required Monthly Rental (£)  
     
Rental Cover Calculator - Repayment *    
Purchase Price of Property (£)  
Deposit (%)  
Interest Rate (as stated by lender *) (%)  
Term (years)  
Monthly Interest Only Payment  
Cover Required (as stated by lender *) (%)  
Required Monthly Rental (£)  


* Notes: 1) Lenders may calculate rental cover on a repayment basis OR an interest only basis irrespective of your repayment choice 2) The interest rate at which rental cover is quoted may NOT be the same as your /pay rate/ 3) The interest cover percentage differs from lender to lender from 100% to as high as 150%.

Our Services

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First Time Buyer

This made it very difficult for many people to afford to buy a home, particularly for first time buyers

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Remortgaging

There are a number of reasons for remortgaging, which include : Reducing your monthly mortgage payments

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Buy to Let

Buy to let is a good and solid option for most investors, but there are some things that you should remain aware

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Credit Problems

At Will Assist Mortgages Ltd CCJs, defaults or arrears need not be a problem

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Conveyancing

Will Assist Mortgages Ltd has access to a large panel of leading law firms selected for their quality of service

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Available 24 hours a day - 7 days a week

We do our best to make sure there is a qualified advisor always available to speak with you and provide a free telephone consultation!

  • Arrow iconLeeds: 0113 320 0720
  • Arrow iconYork: 01904 500502

Will Assist Mortgages Ltd is authorised and regulated by the Financial Conduct Authority.

YOUR HOME MAY BE REPOSSESSED IF YOU DO
NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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free telephone consultation

Calling us or entering your information onto our webform will require us to process your personal data. Please refer to our Privacy Policy for further details.

Leeds Office

Location icon Suite 1, Devonshire House, Devonshire Ave, Roundhay, Leeds LS8 1AY
Phone icon 0113 320 0720

York Office

Location icon The York Eco Business Centre, Amy Johnson Way, York YO30 4AG
Phone icon 01904 500502

What our customers say

Very happy with the service we received from Malcolm and Julie at Will Assist Mortgages. They provided great, easy to understand advice, and were quick to respond. They processed the application and liaised with the lender for us taking a lot of the stress out of the mortgage application process, a big relief as first time buyers! Would recommend them!

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Posted on Google

Have used Malcolm and Julie for the last few years and can’t fault the service I received - Malcolm was even busy beavering away on my new mortgage whilst I was enjoying a holiday in Thailand! Extremely efficient and make the whole process (which can be quite daunting!) very easy to navigate. I have no hesitation in recommending their service.

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Posted on Google

Brilliant to deal with and really looked after us buying our first house, couldn't ask for better service. We didn't know where to start when applying for mortgages by Malcolm took all the stress out of it and found the right deal to suit our finances. Really impressed with how quickly he was able to get a mortgage in place as well! Would happily recommend Will Assist to any friend looking to buy a house. Thanks!!

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Posted on Google

Fantastic service - so helpful and informative. With the help of Malcolm and Julie we were able to get an agreement in principle very quick, and are just about to move into our first home. Highly recommend.

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Posted on Google

We needed a mortgage to be arranged in a hurry and Malcolm very quickly made the necessary arrangements for us. We can not thank him enough for the professional and efficient service he provided and would not hesitate to recommend him to anyone else.

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Posted on Google

Used Will Assist Mortgages twice now, Malcolm and Julie make the process smooth and stress free which is great when you're short of time and don't know what you're doing! Great communication, answered any questions we had promptly and gave great sound advice. Would highly recommend

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Posted on Google

Malcom and Julie of Will Assist Mortgages have been fantastic throughout our remortgage journey. From Malcolm's initial consultation, sourcing the mortgage that best suited our needs and then his and Julie's A1 communication service from start to finish. We would highly recommend their services and won't hesitate to contact them again.

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Posted on Google

Our mortgage broker Malcolm was excellent!! Made the process so easy to understand and it ran smoothly from start to finish. Malcolm was always on hand to offer advice and information. Would highly recommend the company and would definitely use them again.

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I found the company on the internet. Communication was excellent, keeping me fully updated with the proceedings. Malcolm was friendly and he made it plain and easy to understand my mortgage options. I would use Malcolm again and recommend his services..

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Posted on Yell

Thanks to Julie and Malcolm for all their efforts securing our mortgage ! We eventually found the right house after two years of looking - wonderful communication kept the estate agent happy , couldn’t be happier to recommend them.

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Posted on Yell

Very Good! They keep you informed the whole time and make it easy for working professionals to get all the relevant documentation together without having to go into an office. Would use them again and recommend them to anyone.

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Posted on Yell

Second time we have used Malcolm and Julie at Will Assist. Can't thank them enough for their professional yet caring and understanding way they helped us firstly two years ago when we were in an awkward situation and again when re-mortgaging to get another great deal. Always feel as if in safe hands with Malcolm. Would highly recommend their services.

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Posted on Yell

Excellent service, nothing was too much trouble, constant communication and very professional but with a friendly touch would highly recommend.

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Posted on Yell

Impeccable service, second time I used Malcom and Julie to remortgage my property, this time it took less than 2 weeks to get an offer. My credit rating is not the best but they managed to get it with one of the high street bank on s very very good rate. Please dont even think twice, just get in touch and they will sort you out. Brilliant service.

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Posted on Yell

A big thank you to both Malcolm & Julie. A less stressful process of using a mortgage advisor than trying to find a mortgage yourself.

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Posted on Yell

Both Julie & Malcolm have looked after the process for us from the beginning. They have both been clear and concise with everything they have told us and have always answered any of our questions.

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Posted on Yell
Our Service Areas
    Buy to let mortgage advice in
  • Leeds
Registered Office

Will Assist Mortgages Ltd, Suite 1, Devonshire House, Devonshire Ave, Roundhay, Leeds LS8 1AY.

Will Assist Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA number: 513257). Registered in England & Wales No. 7046089.

Our alternative dispute resolution provider is the Financial Ombudsman Service. You can find full details on their website.

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