Buy To Let Mortgage Advice


Experts in helping you finance your property investments

Unbiased and Unrestricted Whole of Market Buy To Let Mortgage Advice.


With access to the whole of the market’s Buy to Let products, our expert Buy to Let mortgage advisers are at hand to you help you maximise your Buy to Let property investment.

Broadland Consultants Mortgages Services

We research and then arrange the very best Buy to Let mortgage for your circumstances

Whether you’re becoming a first-time landlord or you’re a long-term property investor, or just looking to re-mortgage for a better deal, then we can help.

With thousands of Buy to Let mortgages on the market and complex lender criteria, it is easy to get confused as to which is the right one for your circumstances. Our expert Buy to Let mortgage brokers are here to research and arrange the very best deal for you. We provide help and guidance to you throughout every step of the process.

If you’re based in Norwich or Norfolk they can meet you face to face too

Becoming a first-time landlord can be equally exciting and scary, especially if you’ve had only a little experience with property in the past. There are many reasons why individuals choose to become landlords, whether it’s inheriting a property you don’t want to sell, or you are moving to a new home and would like to rent out the current property.

For others, going into life as a landlord is a calculated move – done right, being a landlord can increase your income and property assets.

Our expert Buy to Let mortgage adviser team can help you quickly search the market and arrange the very best possible Buy to Let mortgage deal for your specific circumstances. They are also at hand to support you through every step of the journey of securing your first property investment.

Choosing the right Buy to Let mortgage is as important as choosing the property to invest in.

It is important when purchasing an investment property to do your homework in regards to the property, location, and potential rent to make sure the yield is worth the investment and the risk.

Once you have found the right property, finding the right mortgage lender and the rate to suit your needs is vital to make the investment profitable for you.

Our expert Buy to Let mortgage advisers are here to research the market for you for the very best Buy to Let mortgage deal for your circumstances and to support you through every step of the way of securing your next property investment.

For professional or experienced landlords, as well as those with an existing property portfolio, you’re probably already aware that active management of your mortgage can make a big difference to ensure you’re getting the best yield from the property you already own.

Our Buy to Let mortgage experts are here to help you search the market for the very best possible Buy to Let re-mortgage deal for your circumstances, and then arrange it for you in one easy simple process.

If you’re coming to the end of your existing Buy to Let mortgage deal, and you want to switch to a new deal with your existing lender, come and speak to us. We can help you switch deals with minimum effort and as premium Buy to Let mortgage brokers, we can help you access mortgage broker exclusive mortgage deals.

Specialist lenders will allow you to let your home to tenants and move into a new home or rented accommodation. Many people do this because work or family arrangements change and they want to hold on to their original home, or maybe retain the property as an investment.

If you’re buying a new property, as part of this process you might also want to release equity from original home for a deposit. We are experts on the Let to Buy providers who are most likely to be able to assist, and can quickly help you get the most suitable mortgage arranged.

If you’re looking to repay credit cards, loans or car finance, or looking to make life easier by bringing down your monthly costs, we’re here to help. We can help you review all your options, and then assist you in arranging the most suitable Buy to Let re-mortgage for your specific circumstances.

A Buy to Let capital raising mortgage can help you secure funds for anything from renovations and home improvements, to investing in another property. Our expert mortgage advisers can help find and arrange the very best capital raising mortgage for you.

If you don’t own your main residence, securing a Buy to Let mortgage can be difficult, as not all Buy to Let lenders will be able to help you. Our expert Buy to Let mortgage advisers are at hand to provide help and guidance as to which lenders could assist, and then help you arrange the very best Buy to Let mortgage deal for your specific circumstances.

Working with an experienced broker, like Broadland Consultants, can allow you to maximise your property investment(s). We’re well-versed on all the requirements, standards and regulations set out under the PRA (Prudential Regulation Authority), which state that mortgage lenders should act as underwriters for the portfolio of professional landlords. We offer this service and more, making us the ideal solution for mortgage advice, support and underwriting.

For experienced landlords applying for mortgages, the information lenders may require includes::

  • All details of alternative or personal income sources, including tax returns and evidence of tax payment on rental properties.
  • A portfolio summary, including the value of the property, the rent received, mortgages and addresses. Additional costs should also be included, such as ground rent, letting agency costs and insurance.
  • A statement of asset/liability.
  • A projection of cash flow.
  • A complete business plan with commentary
  • All details of alternative or personal income sources, including tax returns and evidence of tax payment on rental properties.A portfolio summary, including the value of the property, the rent received, mortgages and addresses. Additional costs should also be included, such as ground rent, letting agency costs and insurance.

Our expert team is here to help you navigate through all the lenders requirements and take the stress out of arranging the finance you need.

If you are planning to buy a property and let it to a number of tenants, for example university students who will rent individual rooms and share the facilities, you will need a specialist HMO mortgage.

HMO Mortgages are for Homes of Multiple Occupation.

HMO arrangements are considered more risky for lenders and, therefore, not every lender is prepared to offer mortgage facilities for this type of Buy to Let property.

At Broadland Consultants, our expert mortgage advisers have access to specialist lenders that can quickly help secure your HMO & Student let mortgage funding you need.

Being based in Norfolk, Broadland Consultants are holiday let / home mortgage experts who understand the holiday letting and holiday home mortgage market. We have access to specialist holiday let and holiday home mortgage lenders and will ensure your mortgage application is properly structured and completed, giving you the best chance of success of securing your holiday property.

If you’re self-employed or a contractor, there’s often a perception that it’s tough to get a mortgage. It’s fair to say the process can be more complicated as lenders have different criteria for the self-employed and contractors, but, with the guidance and support of our expert mortgage advisers successful mortgage funding can be achieved.

Limited Company Buy to Let mortgages are becoming increasingly popular and with more lender options coming to the market, this can be a tax efficient way of buying a rental property. We recommend you seek tax advice when buying a Buy to Let to establish which type of ownership would be best for you. You’ll also need specialist Limited Company Buy to Mortgage advice from our experts who will guide you through every step of the process.

Thinking of buying a property to let to a family member? Should be simple right? Unfortunately not, most Buy to Let mortgage lenders do not allow landlords to let to family members, so a specialist mortgage is required. As expert Buy to Let mortgage advisers we’re here to help you access and arrange a Buy to Let mortgage with specialist lenders that allow letting to family members.

Having a bad credit history can make obtaining a Buy to Let mortgage on your property a real challenge, with most high street lenders unwilling to consider anything other than a near perfect credit history. At Broadland Consultants we are experts in helping our clients get the Buy to Let mortgage they need as we have access to specialist mortgage lenders who will consider people with bad credit.


Use or helpful online mortgage tools to help give you an idea of what products might be available to you



Should you decide to proceed with a formal mortgage application, for a standard residential mortgage (as classified by our Client Agreement document, which will be supplied to you prior to an application) we charge a mortgage advice fee of £350 . This fee is not paid upfront, and is normally only payable on the successful approval of the mortgage and issue of the mortgage offer from the chosen lender. For a standard mortgage, if the mortgage is not approved, then no fee is charged.

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

Commercial and Buy to Let Mortgages are not regulated by the Financial Conduct Authority.


Why choose Broadland Consultants?

  • Unbiased And Unrestricted Whole Of Market Buy to Let Mortgage And Insurance Advice. This includes your existing bank and exclusive mortgage deals available only to mortgage brokers.
  • One Easy Meeting Saving You Time. Our buy to let mortgage advisors complete the mortgage and insurance paperwork for you, and manage the application(s) all the way through to a successful completion. We can also help with arranging solicitors and a property survey if required.
  • A Meeting At A Time And Location Convenient For You. Phone / Video conference meetings available or meet at Broadland Consultant’s offices. Home/workplace meetings also available. We also offer evening appointments on request.
  • An Opportunity To Save You Money. Why just speak to your own bank which only has their own Buy to Let mortgage products? Our independent Buy to Let mortgage advisers review the whole of the market for the best mortgage deal for your circumstances.


We Are Here To Help You

Meet The Mortgage Team

Simon Gilvey

 

Director

Russell Carter

(Cert PFS Cert CII (MP) )

Associate Consultant

Chris Spinks

(CeMap )

Associate Consultant

Karl Arnold

(CeMap )

Associate Consultant

Connor Simpson

(CeMap )

Associate Consultant

Jonny Balchin

(CeMap )

Associate Consultant

David Weeds

(Cert PFS )

Associate Consultant

Howard Jones

(CeMap )

Associate Consultant


What People Say About Us

Client Testimonials

  • Hi Howard, I hope you have had a good Christmas and family is well would like to thank you for all your help and support with my house completion. You have helped a lot and have been really patient with me, as it’s my first time purchase I was unsure about a lot of process and I have been coming to you to understand and you have been extremely helpful and I feel without your help it would have not been possibly to complete The level of service I have received during this completion has been extremely satisfying. I wish you all the best for the New Year
    Independent Mortgage Advice, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk

  • Thanks so much for helping us both on this matter and we are both very grateful. I’m really glad that I met you Simon you are a person who keeps his word like me.
    Independent Mortgage Advice, Income Protection Insurance Advice, Independent Life Insurance Advice, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Insurance Advice, Mortgage Broker, Life Insurance Advice, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • I expect you will already know that I received my mortgage offer from the NatWest this afternoon.  I am absolutely delighted and I just wanted to send an email to you to thank you and your team for arranging this on my behalf. I am so happy and relieved that this hurdle has been jumped.  I look forward to hearing from you soon and look forward to moving to Beeston in due course.
    Independent Mortgage Advice, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Dear Simon, Thank you very much. I couldn't express my satisfaction enough for your help and look forward to seeking it again in the future
    Independent Mortgage Advice, Independent Financial Advice, Equity Release, Buy to Let Mortgage Advice, Mortgage Broker, Independent Financial Adviser, Independent Financial Advisor, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • It’s been a pleasure doing business with you, you’re quick, responsive and get things done when you say! Excellent service! I’ll certainly recommend Broadland and yourself to fellow investors. Take care and I hope to catch up again with the next purchase.
    Independent Mortgage Advice, Buy to Let Mortgage Advice — Norwich, Norfolk
  • Dear David, I wanted to express my sincere gratitude for the help & support you have given us and our business over the past 10 months. Thankfully Max Sowerby introduced me to Broadland consultants this time last year. It was tricky and not straightforward by any means, there were times when I wasn’t sure we were going to find a financial solution to our business plan but due to your sheer tenacity and ability to think ‘out of the box’ we now have the support & financial backing of the HSBC. Fantastic! Covid 19 brought challenging times for us all but I personally want to thank you for always being available during the times of uncertainty. I now have an excellent financial advisor for the future and I’ve also found a new friend.
    Independent Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Just thought I better give you an update.  Been dealing with Howard in Broadland Consultants, he's been brilliant, found me a new mortgage deal and it's passed credit score & application checks. Just waiting on underwriting assessment. I'll let you know when I hear. 
    Independent Mortgage Advice, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • The mortgage came through at the end of last week and we have paid your invoice this evening via BACS. Thank you for your assistance in re-mortgaging, it has been a very smooth, stress free experience.  
    Independent Mortgage Advice, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Could you also pass my thanks on to Howard? He has been excellent; calm, always responding quickly to queries and he has an incredible ability to do complex calculations in his head!
    Independent Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker — Norwich, Norfolk
  • Secondly, thank-you for everything you've done, we truly appreciate you helping us, sorting us out and just being totally amazing, you really took a huge chunk of stress away with sorting all the mortgage and advice you gave us!! So thank-you! I will recommend you far and wide - best mortgage adviser ever!!
    Independent Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Faultless service from Chris Spinks, who not only identified a great mortgage product, but managed the information flow to the lender to achieve a super-quick approval. He was also clear and proactive in terms of communication, taking the time and trouble to understand our priorities. Chris was a delight to deal with at every step and I will be recommending him to others.
    Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • It was good to meet you as well.  Thank you for giving us time.  We have thought about who to instruct to assist us, and have decided that we won't ask the other adviser for a meeting after all, on the basis that we would rather have the broader team at Broadland and the continuity that would come guaranteed with that over the course of the next few years - along with the fact that you are local and we were impressed with the meeting.
    Equity Release, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Just to say thank you for the mortgage advisor recommendation of using Broadland Consultants- both mortgages have been sorted, quickly & professionally. We are now 3 weeks into our building work, so far so good but got a a few months to go!!
    Independent Mortgage Advice, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • A big thank you to you and Simon for the help you gave my son, James, regarding his first house purchase 3 months or so ago. I had intended to contact you at the time but with the excitement of going into lockdown, events overtook me and it simply slipped my mind. So apologies for not contacting you earlier, but thank you, James and I were very grateful for the work you did –  much appreciated. I hope all’s well with you. If you fancy a catch up at any time please let me know.
    Independent Mortgage Advice, Equity Release, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Dear Karl, thank you for everything you've done for us! You have been just brilliant, and we would be happy to recommend you.
    Independent Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker — Norwich, Norfolk
  • Hi Simon, Thought I’d just send a quick email to say thank you for your brilliant work in finding us a mortgage offer. We are so happy we were able to get a house at that value and literally couldn’t have done it without you! We are some way off actually getting the keys to the place it seems, so it will be a bit of a race before the baby gets here, but hopefully before rather than straight after! I hope you had a relaxing holiday – hopefully not too much of a distant memory
    Independent Mortgage Advice, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Just a quick note to say the contracts have now been exchanged and completion will go through tomorrow!! Thanks again for all of your help with this, and the life insurance policies.
    Independent Mortgage Advice, Independent Financial Advice, Equity Release, Life Time Mortgage Advice, Critical Illness Insurance Advice, Buy to Let Mortgage Advice, Insurance Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Thank you for your service, you are value for money...please take that as the highest compliment, although Mick is disappointed about the cake!! I will never hear the end of that one you know!!
    Independent Mortgage Advice, Buy to Let Mortgage Advice — Attleborough, Norfolk
  • You are an asset to your company. Thank you very much for sorting out my re-mortgage. Most grateful
    Independent Mortgage Advice, Equity Release, Buy to Let Mortgage Advice, Mortgage Broker — Norwich, Norfolk
  • Dear David, Now that we have completed the refinancing project.  I am writing to thank you for your amazing service. The fact that COVID-19 intervened was a hindrance to us all and I am very grateful to you for managing to keep things going and enabling the progression so very efficiently. I know you know how important the whole issue was to me and to my family and thank you for continuing to work through such a difficult time. I look forward to working with you again on my next project! Best wishes Margaret
    Pensions, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • I would definitely recommend Broadland Consultants. A big thank you to Howard Jones for his support and advice with my mortgage and also life insurance. It definitely made the whole process less stressful and with the knowledge I was getting the best deal, on the market, for my circumstances. Thank you.
    Independent Mortgage Advice, Income Protection Insurance Advice, Independent Life Insurance Advice, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Insurance Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Hello Simon, I just wanted to pass on my thanks for the amazing service Broadland consultants gives. Last year I decided to use Broadland Consultants to look at my pension provision.  I had a number of schemes that although were performing they all had a high commission charge.  They were all amalgamated into one scheme, a low risk safe choice as I am now well into my 50’s.  I have just had my first years statement and was very happy to see a growth of almost £35,000.  I now feel much happier and relaxed about being ready for retirement. I am in the process of moving and am using Broadland Consultants to help with the mortgage.  They came to my house for a 7.30am arranged appointment, allowing us not to have take time out of work.  By midday a mortgage had been approved in principle and three days later a survey on the new property had been carried out and the mortgage approved.  It has to have been the smoothest easiest experience of getting a mortgage I’ve experience in 30 years. I would thoroughly recommend Broadland Consultants, no hard sell and they listen to what you want to get out of your situation. Many thanks Brian
    Independent Wealth Management and Investment Advice, Pensions, Independent Mortgage Advice, Independent Financial Advice, Investment Advice, Independent Financial Adviser, Independent Financial Advisor, Pension Advice, Pension Adviser, Pension Advisor, Investment Adviser, Investment Advisor, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Thanks again for all your help and fantastic advice and guidance! Please can we go for the 2 year fixed rate. And I’ll be sure to try that restaurant on our next night out to Norwich
    Independent Mortgage Advice, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk

Three Steps To Success

We will help you every step of the way

Our expert mortgage and financial advisers are here to help you through the whole process of researching and arranging the very best financial solution for your specific circumstances.

01

Free No Obligation Initial Consultation

Contact Us to arrange a free, no obligation initial consultation.

02

Meet With Our Advisor

We can meet you at your home or office or at one of our office locations. Alternatively via video conference or telephone

03

Let Us Handle The Paperwork

Once we find the right deal, we will collect all relevant paperwork and process all the required admin on your behalf.

Contact Us For A Free No Obligation Initial Consultation

Online Chat

Chat to one of our specialist advisors online using our Live Text Chat service during working hours

Chat to an Adviser

Call Us

Our team of advisers are available on the phone to discuss your needs and arrange a consultation

Call 01603 343007

Send A Message

You can complete our simple online form to arrange a consultation at your convenience

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