Expert support and advise
Contractor buy-to-let mortgages
Whether your existing or future buy-to-let portfolio is in your own name or via a Limited company, applying for a buy-to-let mortgage or remortgaging a buy-to-let property is usually harder for contractors than it is for those in permanent employment.
That’s why Cleerly exists. We’re here to take the unknown out of buying a home to let.
We’ve been helping contractors to successfully apply for buy-to-let mortgages for over 15 years. With thousands of applications under our belt, our contractor mortgage consultants have the expertise and the experience to help you start, expand, or remortgage your property portfolio.
We make it really easy to start your buy-to-let journey with us. Our friendly advisors are on the end of the line. Just give us a ring on 02394 212912 or request a call back.
Eligibility criteria
Can a contractor get a buy-to-let mortgage?
Contractors are eligible for a buy-to-let mortgage. Whether you work as a contractor under your own Ltd company or under an umbrella company, we will help you to put together a strong mortgage application so you can kickstart or expand your property portfolio.
However, there are several factors that need to be considered by contractors, and indeed, anyone looking to start or expand a property portfolio:
- Be certain the rent you will charge will cover the mortgage repayments
- Be prepared that you may only qualify for an interest-only mortgage – this means putting a plan in place to pay the mortgage off at the end of the term.
- Decide on whether you want to invest as an individual or through a Limited company – seek independent tax advice to decide on the best option for you.
Why do contractor landlords choose us for their buy-to-let mortgages?
Starting or expanding your property portfolio is an exciting time. Whether you’re putting steps in place for your retirement or looking for ways to invest your hard-earned cash, our team of specialist mortgage consultants will help you to find and apply for the right buy to let mortgage for you. Not only that, but we’ll also make sure that you understand the whole buy to let process, so you can make an informed decision before the paperwork gets underway.
Our 4.9 rating on Trustpilot speaks for itself.
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