Working Hours: 9:00am - 6:00pm | Phone: +01509 323660

Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority do not regulate some buy to let mortgages.

Mortgage Advice Loughborough > Buy To Let Mortgage

Buy to Let Mortgage Advisor

A buy to let mortgage is an excellent way to diversify your investment portfolio or supplement your pension income. If you’re based in the Loughborough area and are thinking of taking the plunge and investing in a rental property for the first time - or expanding your property portfolio - speak to our expert buy to let mortgage advisors at Derngate Wealth Management. To get the ball rolling and find out how much you could borrow, contact us today.

What We Do

At Derngate Wealth Management Loughborough we understand that, as an investor, every penny counts when it comes to maximising your profit. That’s why our expert buy to let mortgage advisor can advise you on the right mortgage deal, whether it’s your first rental purchase or you are an experienced landlord with an existing portfolio of properties.

Taking into account your individual circumstances, requirements and preferences, we’ll work with you to track down a mortgage deal that’s right for you – allowing you to focus on what really matters.

Contact us today to speak to our expert mortgage advisors.

Why Choose Us?

As one of Loughborough’s go-to buy to let mortgage brokers, we’ve helped landlords and experienced investors alike find mortgage deals that suit them. There are many reasons to choose us:

  • We provide to-the-point, jargon-free, practical advice
  • We have access to deals from a whole host of lenders, allowing us to save you money
  • We offer free, no-obligation quotes
  • We’re able to advise on mortgage protection
  • Our founder, Gary Fowkes, has over 12 years of experience as a mortgage and protection specialist

Discover what our customers think of our services below.

clock icon

Mortgage Advice

Your mortgage is probably the largest financial transaction you are likely to make. As mortgage brokers Loughborough, we will guide you and ensure you select the product suited perfectly to your circumstances.
person icon

12 Years of

Gary Fowkes comes with over 12 years of mortgage advice and protection experience, meaning you will be in good hands throughout the entire process and get the tailored advice you need, when you need it, from an expert.

trending up arrow icon

Free No
Obligation Quotes

We offer no obligation mortgage quotes. Give us a call or complete the call back form and one of our team will call back shortly. For the most suitable mortgage quote, we would need discuss your circumstances in more detail.

Clients’ Testimonials

  • Can’t thank you enough Gary for all of your hard work with the remortgage, I always knew you would pull it out of the bag

    Rachel Shiel
  • I would like to take this opportunity to thank you for everything especially the mortgage application process and the time you spent explaining things to me well from day one of the process. My wife and I would like to thanks you once again for your good work..

    Michael Abankwah
  • I was extremely happy with the service provided by Gary Fowkes. Thank You very much.

    Lavinia Pinto Banerji
  • Gary is a great mortgage adviser, he is very efficient with his work and showed a great
    understanding with me and my requirements I would highly recommend Gary to friends and family as I believe Gary is great at what he does. I am looking to use Gary’s services once again in the future and believe Gary is a definitely a credit to Derngate Wealth.

    Omar Sattar

Things to Consider

In recent years, many new mortgage products have been made available to meet the ever-evolving needs of landlords, including mortgages for first-time landlords, limited companies, properties in need of renovation and Houses of Multiple Occupancy.

Strong rental markets and low-interest rates – particularly in university towns and cities like Loughborough – have resulted in an increase in the number of investors adding property ownership to their portfolios.

Some mortgage lenders are offering deals with an 85% LTV, which can be a more attractive option when compared to other types of investment.

However, recent legislative tax changes, including the withdrawal of tax breaks and the extra 3% on stamp duty on second homes, have resulted in additional costs that need to be considered.

We’re able to advise on all of these potential pitfalls, helping you maximise your chances of investment success.

Your home may be repossessed if you do not keep up repayments on your mortgage.

We do not charge for the initial consultation but there may be an administration fee payable when an application is submitted, this fee is usually £499 and we are also paid commission from the lender.

Request a call back?

Speak to one of our expert mortgage brokers in Loughborough today by completing the quick and simple contact form opposite. We will be in touch as soon as possible.

You can also call us or email us to get in touch.

Frequently asked questions

How do buy to let mortgages differ from residential mortgages?

These mortgages are similar to residential mortgages but with some key differences:

  • The fees are usually higher
  • The interest rates are usually higher
  • Most lending is not regulated by the Financial Conduct Authority (FCA)
  • The risks are usually higher
  • The minimum income required is usually £25,000
  • Most buy to let mortgages are interest-only

Can I get this type of mortgage as a first-time buyer?

Yes, this is possible, although lenders will be wary and you’ll have a more limited selection of deals to choose from.

How many buy to let mortgages can I have?

Though there’s no limit on how many of these mortgages you can take out full stop, individual lenders typically prevent you from taking out more than three to five mortgages with them.