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Providing individual mortgage advice; unique to you

Whether you’re becoming a landlord for the first time or you’re looking to expand an existing portfolio you will need to take out a buy to let mortgage rather than a standard residential mortgage. A buy to let mortgage is specifically for people who are buying a property to rent out to a tenant or tenants.

How do buy to let mortgages differ from residential mortgages? :

  • Interest rates are usually higher on buy to let mortgages compared to residential
  • Whereas for residential mortgages your deposit could be as little as 5% of the property value you will have to pay at least 25% for a buy to let mortgage.
  • Unlike a standard mortgage, where the amount you can borrow is linked to your income, with a buy to let mortgage, the lender will instead look at how much rent you could make from the property on which the mortgage is secured

We can help you arrange a bespoke buy to let solution that’s tailored to you. Call our expert team today to find out more.

What do our customers say?

We pride ourselves on our customer service and we’re always on hand to guide you. See what our customers say:

Chris's help was invaluable, he was honest and open throughout the process. He gave me and my partner (first time buyers and clueless) a really easy to understand and comprehensive breakdown of not only how mortgages work but the buying process too, and also helped us with home insurance and life insurance too. He understood exactly how to help us and was never too pushy and always approachable. Without Chris's help I don't think we would have bought a house yet!

Tom & Vicki - Leeds

Chris came to our home to meet us, understand our circumstances and take lots of information from us. Chris then looked at all the options available to us, discussed each option to ensure we were fully aware of the pros and cons of each, and then worked with us to ensure we had the right option when we had found a house. Chris was always available should we have any queries outside our formal meetings, was extremely knowledgeable, helpful and supportive throughout the process.

Liz & Ben - Leeds

Chris helped us from beginning to end. From the first meeting having discussed our options it was "Go go go!" which is exactly what we wanted. Chris is down to earth and honest and realistic with what we had to do and what we needed. We could tell from the first meeting with Chris that he genuinely wanted to see us succeed in being a first time buyer, and that this wasn't just a job. He is passionate in wanting to help.

Donna & Lee - Leeds

Thanks for sorting out my mortgage and protection, I can't believe I'm finally in after all the obstacles we (you!) had to overcome. Thanks again.

Lauren - Cheshire

We finally got the keys on Friday!! Just wanted to say thank you for all your help, we appreciate it all. Couldn't have done it without you!

Donna & Lee -

We have used BR Needham Financial Services for our last 3 mortgages - this latest one was the most complicated due to our changing circumstances and particular requirements. Chris took time to understand our needs and objectives, before recommending a solution that we would have never thought of. We managed to secure a fantastic rate which saves us a substantial amount each month. Will continue to recommend and use next time!

N & P King - Lancashire

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