Experienced Landlords

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Helping experienced landlords to grow their investment portfolio

We can help experienced landlords who are looking to grow a portfolio of properties, remortgage an existing buy to let or purchase a new property. Our experienced team of Mortgage Advisers can access every lender in the marketplace to ensure you receive the best deal and will also provide guidance on additional costs, such as landlord insurance and stamp duty etc.

Building a portfolio of properties can often be a natural progression for landlords who own one or two properties as it allows them to use the overall income from the portfolio to cover any major repairs or refurbishments on a property. Following the recent changes to buy to let mortgage underwriting, lenders now define portfolio landlords as those with four or more mortgaged buy-to-let properties and assess applications using a specialist underwriting process.

Arranging buy to let mortgages across a portfolio of properties can be complex. Usually, each property will require its own mortgage and lenders tend to apply stricter affordability and criteria restrictions on portfolios. This is why it is important that you seek advice from experienced whole of market Mortgage Advisers, who can search through the mortgage maze to secure you a competitive deal.

Here are a few reasons why you should contact us:

  • You want to remortgage a property/ portfolio of properties
  • You are purchasing a buy to let property – including ex local authority properties and high-rise flats
  • You want to borrow more for refurbishments, to consolidate debt or for any other legal purpose
  • Your current buy to let mortgage deal is ending soon
  • You want to pay more off your buy to let mortgage each month but your current lender won’t let you
  • You want a fixed buy to let mortgage product so that your payments won’t go up or down
  • You want a better rate
  • You want to switch from an interest-only to a repayment buy to let mortgage
  • Your properties value has greatly increased since you purchased it
  • You intend to rent the property to a close family member
  • You have current or historic adverse

Find Out How Much You Could Borrow

We’ve designed our mortgage calculators to provide you with an idea of the amount you could borrow and how much it will cost you each month.

To get an accurate quote; based on your income, expenditure and any commitments, we recommend that you speak to our Mortgage and Protection Advisers

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You could borrow up to

Calculate Your Monthly Payments

We’ve designed our mortgage calculators to provide you with an idea of the amount you could borrow and how much it will cost you each month.

To get an accurate quote; based on your income, expenditure and any commitments, we recommend that you speak to our Mortgage and Protection Advisers

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Years
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It would cost

The Latest Best Buys

Our best buy tables allow you to compare thousands of products to give you an indication of the types of mortgages available to you. Please be aware that the information is computer generated and relies on certain assumptions, like your credit commitments and monthly expenditure.

When you’re ready for an accurate quote that is personalised to your individual requirements, call our Mortgage and Protection Advisers on 01702 533 400 for a free no obligation quote.

Why Use Ingard?

Search and compare every leader in the mortgage marketplace

We compare every lender in the marketplace, which means we can access lenders who only deal directly with qualified advisers.

Speak to a qualified mortgage advisor

Our qualified advisers are salaried, so you can be sure that you are receiving the best impartial advice.

We promise you'll have one advisor start to finish

We promise that you won’t be passed from pillar to post. One of our qualified advisers will deal with your application from start to finish.

Free initial consultation

Your initial consultation is completely free. We will only charge you a fee if you decide to proceed with your application.