BTL, HMO, and MUFB Mortgages

Since its official launch in 1996, the buy-to-let mortgage market has come a long way. There are now thousands of specialist loans available, and with the landscape continually shifting, it can be hard knowing which is right for you. 

At Bluechip Financial, we specialise in finding the most suitable mortgages for buy-to-let properties and portfolios. We work with both new and experienced investors to find the most advantageous rates to meet your objectives, whether income or capital growth. We are also one of the few brokers in the UK with in-depth knowledge on HMO and MUFB mortgages. 

To talk to a buy-to-let expert today, get in touch online or call us on 01202 692222.

The FCA does not regulate some aspects of buy to let mortgages.

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    Why do you need a buy-to-let mortgage?

    Renting out a residential property you own can be a very lucrative new revenue stream. Many people choose to become landlords to supplement or outright replace their current source of income, but the initial investment cost can be high. 

    With a buy-to-let mortgage, you can use the profits your new property brings in to cover the initial purchase cost over a period of years. It’s the most convenient way to pay for the property if buying it outright is not feasible. 

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    residential home area with snaking roads

    Why use a mortgage broker for BTLs, HMOs, and MUFBs?

    Taking out any residential mortgage can be stressful, but a buy-to-let loan is even more so. 

    Because you’ll be responsible for housing other occupants, there are a lot of extra variables you’ll need to take into account. This is true for: 

    • Singular buy-to-lets  (BTLs)
    • Houses in Multiple Occupation (HMOs) 
    • Multi-unit freehold blocks (MUFBs) 

    This makes taking out a buy-to-let mortgage an especially complex and time-consuming process. 

    Going through a broker will save you from this. They will be able to use their market access and resources to search through hundreds of different policies, identifying the most beneficial terms for your circumstances. 

    Bluechip Financial have been sourcing the best mortgage policies for over a decade and a half. Our close relationships with mortgage lenders mean we can negotiate for the most favourable deal on your behalf, while offering expert advice and guidance throughout the process. 

    We are one of the only mortgage brokers in the country with a detailed knowledge of how lending works for HMOs and MUBs. We are proud to be the recommended broker for Platinum Property Partners, one of the largest HMO landlord networks nationwide. 

    We can support you through new mortgage applications, remortgages, and bridging finance. If you’re considering letting out a property you currently live in, we can provide specialist advice on the best way to restructure your borrowing. We can also review your protection cover to ensure you’ve got the right insurance policy for any eventuality. 

    The FCA does not regulate some aspects of buy to let mortgages.

    To talk to a skilled mortgage specialists, get in touch online or call us on 01202 692222. 

    A couple with an estate agent abroad shopping for holiday homes

    Why use a mortgage broker for your holiday let or Airbnb mortgage?

    Because of the extra considerations involved with short-term rentals, taking out a holiday let mortgage comes with its own unique challenges. 

    A mortgage broker will be able to guide you through the specific criteria of taking out a holiday let mortgage, make sure your mortgage application is correctly structured, and seek out the lowest rates possible. 

    Bluechip Financial have been sourcing the best mortgage policies for over a decade and a half. Our close relationships with mortgage lenders mean we can negotiate for the most favourable deal on your behalf, while offering expert advice and guidance throughout the process. 

    Whatever property you’re looking to invest in, we’ll be by your side every step of the way. 

    The FCA does not regulate some aspects of buy to let mortgages.