At a time when many brokers are moving away from assisting with buy-to-let mortgages, Crystal Clear have established a reputation as experts in this often complex field.
Whether you are considering your first buy-to-let property or you are an experienced landlord with a portfolio of properties, our whole of market experience allows us to provide invaluable, impartial and practical advice.
We know that you often need to move quickly in order to secure a property and that you need decisions to be made in a fast and accurate manner. We work independently with a network of fellow professionals including property lawyers, accountants, tax advisers, and of course, lenders. This network allows us to be involved with every part of the transaction, not just the mortgage arrangements.
Our free portfolio review service offers strategic insight into the market and its bespoke nature allows you to exploit opportunities to expand your portfolio in a well-managed and structured manner.
This strategic approach also considers the detail of your business arrangements, taking into account whether forming a Ltd Company or Partnership rather than act as a Sole Trader or operate your business in a single name is a beneficial way of running your business.
With Crystal Clear you can be assured of a complete service that puts your business first.
An appreciation of the level of service that our clients require is at the heart of the way we operate and we know that setting out as a landlord can be a daunting prospect, but it is also very exciting.
Our step-by-step process will guide you through legal and financial issues that you need to consider, we will be on-hand to offer advice where required but we never presume and we never patronise. It is your business and we are here to help.
Buy-to-let mortgages, whilst similar in nature to ‘traditional’ mortgages feature a few key differences. Interest rates will vary depending upon the perceived risk and you may need to find a higher deposit and then there are one or two legal issues to consider.
As with any mortgage you will need to be able to satisfy potential lenders of your suitability and of course, we help with this process by guiding you through the often bewildering choices that are available and remaining on hand to help with the inevitable administration that’s involved.
We will help you to choose the best type of mortgage for your requirements.
A recent category of investor is the ‘Accidental Landlord’, which requires a great deal of care and consideration as the Accidental Landlord may have inherited a property or decided to rent out their existing residential home.
Along with this type of property comes immediate responsibilities, with insurance, tax and other legal requirements all requiring attention. Then there is the rental value of the property, do you need an agent or will you be managing your own business?
So much to consider, it is easy to see why so many people choose to ask for a free assessment from Crystal Clear. Please call or email and we will be delighted to help.
Whatever stage you are at in the process of buy-to-let, the best place to start is with a free, no obligation chat to see if we can help you to make the right move.
Our fees, are as always transparent, we are called Crystal Clear for a reason after all.