Let to Buy

We do not charge any fees for advice, sourcing or mortgage processing, if the mortgage balance is greater than £100k and all enquiries are without obligation.

If you have a question and wish to talk to a adviser directly call 0845 5190327 or alternatively email enquiries@turquoisemoney.co.uk  and a mortgage adviser will email you back.

Why call us to help you with your mortgage decision?

We make the process smoother.We know what documents a particular lender is likely to require at application.

We save you time we already know lenders criteria and we have market leading sourcing software that searches the whole of the uk mortgage market to find the best deal for you. In our experience its much quicker to use a mortgage adviser to source your mortgage for you than to attempt do it yourself.

How can you afford not to charge any adviser fees?

We are paid a commission from the lender when your mortgage completes you are charged the same rate from the lender whether we process the mortgage for you or if you go to the lender directly.

Do you have to visit us?

No we manage the mortgage process by using the telephone, internet and post.

What geographical areas areas do you advise clients?

Greater London.

Are you FCA registered?

The Financial Conduct Authority (FCA) regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768. Our FCA register number is 627494.

Let To Buy

Our definition of let to buy is the buy to let mortgage that is raised on your existing residential property. It can be confusing as different institutions define let to buy differently but in effect let to buy is buy to let.

We can advise you on which lenders will allow a buy to let mortgage on your current residential property. We can also advise on which lenders will consider the buy to let as self supporting when calculating how much they will lend to you for your new residential mortgage.

These are some of the factors we take into consideration.

• Property type.
  
  
• Earnings.
  
  
• Tax - is it cheaper to raise more money on your existing property and less on your residential mortgage?
  
  
• Which lenders will consider the existing property as self supporting for affordability purposes?
  
  
• Which Buy to let lenders will grant a mortgage on a current residential property?
  
  
• Where is the deposit sweetspot ? Do you raise more money on your existing property to increase the deposit on your new property to get a better residential rate, or vice versa?

If you want us to advise you on the most efficient way for you to arrange a let to buy please call us 0845 5190327. Or email us at enquiries@turquoisemoney.co.uk

Remember we never charge any fees, and all enquiries are without obligation.

The Financial Conduct Authority does not regulate some forms of Buy-To-Let mortgages.

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