First Time Mortgages | Re-Mortgage | Buy to Let Mortgage | Self Employed
Plymouth Devon and Saltash Cornwall ........
The Buy To Let industry has been going through some major changes in recent times relating to taxation rules and new stress test parameters. However with interest rates at an all time low and high demand for rental properties, it is still a very attractive market to be in. As with residential mortgages, there are a whole range of Buy To Let mortgages available to suit most circumstances, however it is important to receive professional advice to ensure you are making the most from your investment.
Further advances with existing lenders are also very common in the buy to let market place, especially for landlords raising deposits for future purchases. Some lenders will only deal via intermediaries such as ourselves. We can also offer comprehensive portfolio reviews, inform you of the latest changes to stress test calculations for all UK lenders and advise your tenants on income protection products in order to protect your rental income.
Whether you are a first time landlord or you already have a portfolio, Ritchie Independent Mortgages look forward to arranging your mortgage requirements for you. Whether it be a new mortgage, re-mortgage or further advance, we are always here to help.
As Independent Mortgage Advisers in Plymouth we are here to guide you through the process of choosing the right mortgage to suit your particular needs. We take pride and go the extra mile to ensure great customer service at all times. Regardless of whether you’re a first time buyer, moving home, wanting to re-mortgage or purchase a buy to let property, we can help you through each step of the mortgage process. Ritchie Independent Mortgage services also provides a range of protection products, from property insurance through to critical illness cover, for complete peace of mind.
Getting a mortgage doesn't need to be a complicated process, as your mortgage advisor we will do what we can to ensure that your home buying experience is an enjoyable one, whatever type of Mortgage you require.
Whether you have experience of buying a property or are looking to purchase for the first time, knowing which mortgage is right for you is not always straightforward. What may appear the right type of mortgage now may not be suitable for you in 18 months time as your circumstances change.
Please Call with any Mortgage or any Mortgage Protection Questions you may have.
Send an email with your question or let us know what time is convenient and we will call you.