First Time Buyer Guide to buying your own home.
Elevate your move with our tailored Home Mover Mortgage for a smooth transition to your new dream home.
Refinance with our Home Owner Remortgage for better rates, releasing equity, or funding improvements—empowering your homeownership journey.
Dive into property investment with our Buy-to-Let Mortgage, tailored for both seasoned investors and first-timers seeking to build a profitable portfolio.
Transform your vacation home investment dreams into reality with a Holiday Let Mortgage,
Green Mortgages 🌳 are a new type of mortgage that rewards you for making your home more energy efficient.
Mortgages Adverse Credit Mortgages 📉 are for people with a poor credit history.
Cut NHS wait times with private medical care and private hospitals.
Pay off your mortgage if you or your partner die.
Navigate property transitions seamlessly with our Bridging Finance, offering quick and secure solutions for your short-term financial needs.
Secure your auction triumph with Auction Finance, providing the financial backing needed to confidently bid and acquire your desired property.
The best place to find landlord financial services and information Simpler, clearer, faster
Buy-to-Let is fun! Buying your next rental property can be stressful.
You don't have to figure it out by yourself. Our Buy-to-Let Mortgage Advisers will help you find the best mortgage deal, explain the different options and assist you in every stage of your landlord journey.
The rules around landlord finance can be complicated from unusual properties, rental stress tests, limited company buy to let and more so for portfolio landlords. Your circumstances can limit options from minimum income, credit score and experience.
If you intend to buy (or remortgage) a property to rent it out you will need a buy-to-let mortgage. The difference compared to a residential mortgage is consent to rent it out. Also, the loan amount derives from the rent instead of your personal affordability. You may need a specific type of mortgage - HMO Mortgages allow you to rent a single house to multiple tenants. A Limited Company mortgage allows you to buy in the name of a company.
With public tools, it is very difficult for you to compare mortgages without the assistance of a mortgage advisor. It is difficult to know what you can or can not qualify for. Our mortgage advisers will help you assess the market. Find the best mortgage available. With years of personal experience and our knowledge bank, we can disqualify lenders. This helps prevent false starts. There are many ways to compare the best mortgage for you. Wanting low fees such as low arrangement fees, valuation fees or solicitors fees can be one criteria. Others may be rate driven, looking for the best mortgage rate. Most landlords are looking to "total to pay" over the initial term. Finding the lowest amount of fees, rates, etc all added up to compare the lowest you will pay over the initial term.
The investment is not unlike any others - you can make good returns or you may make a loss from property downturns, low rental demand or bad tenants to give a few examples. Many investors like buy-to-let as it is a brick & mortar investment, you have a physical asset to show for your investment. One that has the possibility to be resold at a loss, break-even or profit depending on market conditions. An asset that if chosen wisely will give you monthly returns on your investment. It can also be hands-on, you can talk to your tenants and provide a good service. You can invest time to renovate the property. Your efforts can affect the bottom line.
Dive into property investment with our Buy-to-Let Mortgage, tailored for both seasoned investors and first-timers seeking to build a profitable portfolio.
Maximize your investment with Buy-to-Let Remortgage, ensuring optimal returns by refinancing your property portfolio with competitive rates.
Enhance your property investment strategy with a Buy-to-Let Rate Switch, ensuring you stay competitive in the market with a smart financial move.
Optimize your property portfolio's potential with a Buy-to-Let Mortgage in your SPV Company Name, combining strategic investments with simplified financial structures.
Grow and diversify your property portfolio with our Portfolio BTL Mortgages, offering tailored solutions for seasoned investors aiming for prosperity.
Transform your vacation home investment dreams into reality with a Holiday Let Mortgage,
Unlock the potential of shared living spaces with our HMO Mortgage, tailored to support your investment in Houses in Multiple Occupation.
Elevate your HMO investment strategy with our HMO Mortgage in your SPV Company Name, combining strategic planning with streamlined financial structures.
Revitalize and optimize your HMO investment with a strategic HMO Remortgage, ensuring your shared living spaces remain lucrative in the market.
We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX
Looking for career in Mortgage Advice? View job openings.
We are authorised and regulated by the Financial Conduct Authority (No. 919921). The FCA does not regulate most Buy to Let mortgages.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX