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Looking for a buy to let mortgage?
Embrace can help

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Trust Pilot - 5 Stars

Rated Excellent by our customers

Looking for a buy to let mortgage?
Embrace can help

efs logo

Trust Pilot - 5 Stars

Rated Excellent by our customers

Looking for a buy to let mortgage?
Embrace can help

efs logo

Trust Pilot - 5 Stars

Rated Excellent by our customers

Looking for a buy to let mortgage?
Embrace can help

efs logo

Trust Pilot - 5 Stars

Rated Excellent by our customers

Buy to Let Mortgages

Being a buy to let investor is a great way to invest, whether you are a first time landlord or you are an experience landlord. Embrace Financial Services have professionally qualified mortgage advisers that can support you through your mortgage options. 

There are various different types of buy to let mortgages available and they will search on your behalf to find the best options to suit your needs. 

When looking into a buy to let mortgage below are a few points to consider:

  • Buy to let mortgage lenders will look at the rental income from the property and the applicant's annual income.  Loan-to-value is typically 60% to 85% for buy to let mortgages.
  • A buy to let mortgage is likely to be 1% to 2% more than a residential mortgage.
  • For a buy to let interest only mortgage, the lender will normally base affordability on the rental income which will generally need to be 125% more than the monthly payments.
  • If you are planning to create a lettings portfolio – some lenders will place a cap on the number of properties it will mortgage.

If you would like to see if Embrace Financial Services can get you the best deal on your mortgage, call them on 0845 009 1098 or book an appointment to request a callback. 

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Book a buy to let mortgage appointment

Call us on 0845 009 1098 for more information or to book an appointment.

Alternatively you can request a call back by completing this form and an Embrace Financial Services adviser will call you to arrange a suitable time for your appointment.

We will use your information in order to arrange for Embrace Financial Services to respond to your enquiry. If you would like to know more about how we use your information, please read our Privacy Notice.

Buy to let calculator

Cost
Income

Reasons to choose Embrace Financial Services

98%

Customers would recommend us 

4,500

First time buyers on property ladder

17,500

Mortgage applications submitted

£3 billion

Mortgage submissions valued

EFS 1000s 

Choice

They have access to 1000s of mortgage deals from 100s of lenders, including well known high street providers. These often include exclusive deals that cannot be accessed by going direct to the lender. 

   
EFS safe 

Safe

Advisers will conduct secure video or telephone appointments so you can get expert advice from the comfort and safety of your home. 

EFS tailored 

Tailored

Embrace Financial Services will listen to your needs and circumstances and recommend the best products for you. 

   
EFS communication 

Communication

They provide excellent communication and will stay in touch every step of the way.  All documents can be shared safely and quickly electronically.

We have mortgages available from a wide range of well known providers

Barclays

Hsbc

Leeds

Nationwide

Natwest

Post office

Tsb

Virgin

Thomas Morris in partnership with EFS
Thomas Morris in partnership with EFS

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Embrace Financial Services usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.