Buy-To-Let
Buy-To-Let
Invest with confidence
Buy to let mortgages work differently from residential borrowing. It is common for lenders to look closely at rental income projections, deposit size and property type. Understanding these factors can help new or experienced landlords feel more confident when exploring mortgage options for investment properties.
Here to support every step
Secure a Stronger Future
Reach out today to discover how Stockley Mortgage and Protection can guide you every step of the way, offering tailored advice and support throughout.
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Start your journey by getting in touch so I can understand your needs and goals.
Explore
I'll review your options and match you with the most suitable mortgage products.
Apply
Your application is prepared and submitted smoothly with expert guidance throughout.
Complete
Final checks are carried out, and your mortgage is secured, moving you closer to your new home.
Guidance you can rely on
Frequently asked questions
Projected rental income and personal financial details are usually considered.
Buy to let mortgages typically require a higher deposit than residential ones.
Most lenders do not allow this under buy to let terms.
Most buy to let mortgages are not regulated unless they fall under certain consumer criteria.
Yes, rental income is often a key part of how lenders assess borrowing potential.
Moving Home
Moving Home
Make your move a smooth one
Moving home often means reviewing mortgage arrangements, and it is normal to explore both porting a current mortgage or applying for a new one. You can expect to look at affordability, understand potential costs and plan around the typical steps involved. With a clearer picture of what to expect, the process becomes much smoother and easier to manage.
Here to support every step
Secure a Stronger Future
Reach out today to discover how Stockley Mortgage and Protection can guide you every step of the way, offering tailored advice and support throughout.
Connect
Start your journey by getting in touch so I can understand your needs and goals.
Explore
I'll review your options and match you with the most suitable mortgage products.
Apply
Your application is prepared and submitted smoothly with expert guidance throughout.
Complete
Final checks are carried out, and your mortgage is secured, moving you closer to your new home.
Guidance you can rely on
Frequently asked questions
Many lenders offer porting, depending on eligibility and suitability for the new property.
This depends on lender policy and whether the current mortgage can be transferred.
Legal work, valuations, lender fees and possible stamp duty are common.
Income, credit history and financial commitments are usually reviewed.
Timings vary based on the property chain and lender processing times.
Remortgage
Remortgage
A fresh look at your mortgage
Remortgaging can provide an opportunity to consolidate debt, release funds for home improvements, adjust your loan terms or secure a lower interest rate. It’s sensible to review your mortgage every few years, as staying on the same deal for the full term can mean paying more than necessary. Remortgaging allows you to check whether your current mortgage still fits your needs, compare it with other options and understand any fees or requirements involved.
Here to support every step
Secure a Stronger Future
Reach out today to discover how Stockley Mortgage and Protection can guide you every step of the way, offering tailored advice and support throughout.
Connect
Start your journey by getting in touch so I can understand your needs and goals.
Explore
I'll review your options and match you with the most suitable mortgage products.
Apply
Your application is prepared and submitted smoothly with expert guidance throughout.
Complete
Final checks are carried out, and your mortgage is secured, moving you closer to your new home.
Guidance you can rely on
Frequently asked questions
It is common to begin checking options up to 6 months before a fixed rate comes to an end.
Early remortgaging may be possible, although early repayment charges could apply.
Many lenders request an updated valuation to confirm the current property value.
Some lenders offer this depending on affordability checks and their criteria.
Several weeks is typical, but timings vary depending on the lender and complexity of the case.
First-Time-Buyer
First-time buyer
A clear path to your first home
Buying a first home is a huge step, and it's completely normal to be unsure where to start. As a first time buyer, you can expect to learn about deposits, affordability checks and the different types of mortgages designed for new buyers. With the right information, the journey becomes far easier to understand, helping each step feel more achievable and less overwhelming.
Here to support every step
Secure a Stronger Future
Reach out today to discover how Stockley Mortgage and Protection can guide you every step of the way, offering tailored advice and support throughout.
Connect
Start your journey by getting in touch so I can understand your needs and goals.
Explore
I'll review your options and match you with the most suitable mortgage products.
Apply
Your application is prepared and submitted smoothly with expert guidance throughout.
Complete
Final checks are carried out, and your mortgage is secured, moving you closer to your new home.
Guidance you can rely on
Frequently asked questions
Deposit requirements vary, and some products may start from around five percent depending on eligibility.
Legal fees, valuations and insurance are common. Stamp duty may apply depending on the rules at the time.
Income, spending and credit history are often taken into account.
Gifted deposits are commonly accepted, usually with a written confirmation.
Timelines vary, but several weeks to a few months is common depending on the chain and lender.