Simplified Buy to Let Mortgages
Whether you are looking for your first property or expanding your portfolio, we are here to make it smooth sailing.
Get a QuoteBuy to Let investment success stories
We know we can turn your investment dreams into reality, but let’s let the reviews do the talking:
I was eager to get my new boat insured and on the water as soon as possible to make the most of the hot weather! Darren worked super hard to make this happen. He liaised with the underwriter to generate a bespoke cover within the day! Great service.
Kevin
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Brilliant service once again. I enquired about house insurance on a Friday afternoon as our renewal premium had more than doubled! Oracle not only came back with a quote out of hours, but we’re now paying a third of the renewal quote! We wouldn’t go anywhere else for our mortgage, life or house insurance.
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Jay has been really helpful with all of our insurance policies from home to motor. The way Oracle’s system works with the portal is so easy to use I couldn’t recommend them highly enough.
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Fantastic service from Jay on our house insurance, saved us money from our previous provider and very efficient and friendly service. Highly recommended.
Julie
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Oracle got a significantly cheaper quote for us! Highly recommended.
Hannah C
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Last updated: 19 November 2024
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Completing your application is a simple 3 step process. We are on hand at any point to explain things as well as answer any questions you may have.
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Your Questions, Answered
Our dedicated team can give you all the details to maximise your investment potential.
Do I get a better deal if I go direct to the bank for a buy-to-let mortgage?
No, the rates accessible through brokers for buy-to-let mortgages are identical to those offered directly by banks. Engaging a broker enables you to explore the same deals available from lenders.
Why should I use a broker instead of going direct to my bank for a buy-to-let mortgage?
With over 60 years of combined experience in mortgage lending, we’re equipped to recommend the most suitable buy-to-let mortgage product and rate for your circumstances. We provide access to a broad spectrum of lenders, ensuring you’re fully informed to make the right decision.
How much deposit do I need for a buy-to-let mortgage?
Typically, lenders require a larger deposit for buy-to-let mortgages, usually around 25% of the property’s purchase price. However, some may offer loans with a 20% deposit.
What are the fees involved in securing a buy-to-let mortgage?
We recommend having approximately 4% of the property’s purchase price available to cover fees associated with securing a buy-to-let mortgage, including arrangement fees, conveyancing costs, and valuation fees.
I’ve heard of LTV in buy-to-let mortgages, what does it mean?
LTV, or loan to value, indicates the proportion of the mortgage in relation to the property’s value. For a property valued at £500,000 with a £125,000 deposit, you’d require a £375,000 mortgage, equating to a 75% LTV.
Do I get better rates if I have a larger deposit for a buy-to-let mortgage?
Yes, generally, the larger your deposit, the more favourable the mortgage rates available to you. Lenders offer better terms for deposits that significantly reduce the LTV ratio, enhancing loan security.
