Buy to let mortgage advice

No face-to-face appointment is required for mortgage work. We process most mortgage applications entirely based on phone and email conversations, which means less hassle for you, and faster mortgage approvals.

​Mortgage arrangement fees are only payable when a full mortgage offer is secured, and are as follows:

  • Mortgages of £160,000+ = no fee payable
  • Mortgages of £100,000 - £159,999 = £295 fee
  • Mortgages under £100,000 = Sorry, at present we are not arranging mortgages under £100,000

Reduced fees apply in many circumstances (e.g more than one mortgage is being arranged, or a simple remortgage with certain lenders).


How can we help?

We will advise you on buy to let mortgages and building a buy to let portfolio. We will take the hassle out of finding the best mortgage deal, and will apply on your behalf, saving you from spending hours on the phone to a bank call centre worker enquiring into your spending habits.

Where you need a decision fast we can usually get you a "decision in principle" from a mortgage provider within a few hours of your request.

We advise on most types of buy to let situation, including:

  • Buying a property and remortgages
  • First time and experienced landlords
  • Let to buy mortgages (converting a residential property to a buy to let property)
  • Mortgages for applicants with credit difficulties in the past
  • Buy to let mortgages for directors and the self-employed
  • Capital raising on a buy to let property

Please note that we don't arrange mortgages for holiday-let properties, self-build projects or Limited Company BTL.

Why choose Wendy Cochran Independent Financial Advice?

Wendy Cochran IFA is based in Dunfermline, Fife. We are fully independent and have access to all lenders in the market. We will recommend the best mortgage for you including those available from high street banks and from specialist lenders who only work via IFAs.

Our main mortgage advice page is here.

Get in touch for a free initial consultation.

Useful posts:

Top 10 tips for landlords

Buy to let mortgages - how much can you borrow?

Buy to let mortgage advice, Dunfermline, Fife IFA

Regulated by the Financial Conduct Authority (FCA no. 603653). Free initial review.