Whatever your situation, we’re here to help
MORTGAGE RATES
With access to a whole catalogue of competitive lenders, we can ensure you get the best rates on the market.
INSIDER KNOWLEDGE
Find out more about market trends and make the most of your purchase.
LIMITED COMPANY BTL
Learn more about Limited Company Buy to Let mortgages and how they compare with standard BTL.
THE RIGHT PRODUCTS
We offer advice on the ideal mortgage rates and most affordable deals for your circumstances.
Navigating you on your buy to let journey
We realise that becoming a private landlord can be a challenge, with various financial responsibilities and legal implications to consider. That’s why Beechwood Mortgages aims to help your transaction run smoothly.
Working with our experts gives you access to numerous buy to let mortgages, with varying rates available so you can maximise the potential of your property investment. We have many years’ experience operating in Berkshire and all surrounding counties, giving us an outstanding level of industry knowledge that we’re passionate about sharing with our clients.
Please be aware that not all buy to let mortgages are regulated by the Financial Conduct Authority.
How can we help you?
Buying a rental property for the first time can be overwhelming with its financial responsibilities and legal obligations. Beechwood Mortgages can simplify the process and help you understand key differences among lenders and mortgages. Here are some important points to consider:
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Fees and interest rates are usually higher than residential loans.
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Cash reserves are essential for major repairs.
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Lenders require larger deposits.
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You must keep up with mortgage payments even if the property is unoccupied.
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Avoid relying on selling the property to repay the full mortgage amount at the end of the term.
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If house prices decline, you may need to cover any shortfall with additional funds.
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Save money and access the best rates
Navigating buy-to-let mortgage rates can be challenging, as they often have higher interest rates and additional fees compared to standard residential mortgages. It’s important to compare options to find deals that align with your investment goals.
Experienced mortgage advisers can help at every step, whether you’re buying your first buy-to-let property or expanding your portfolio. With expert guidance, you can make informed decisions to secure the best terms for your investments.
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Will I pay Beechwood a Fee?At Beechwood, we always provide a free consultation and promptly disclose any potential charges for our services. We now offer complimentary support for first-time buyers (terms and conditions apply) and continuously strive to extend our trusted services free of charge to everyone. This is important as any mortgage brokers will charge for their services, which could be upfront or due upon completion—or sometimes both. Therefore, it's crucial to compare options. Check our Fees page for a full rundown on broker fees. You can also visit our page Do All Mortgage Brokers Charge Fees? for further information.
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Do all mortgage brokers charge fees?No, not all mortgage brokers charge fees. As a mortgage broker, we take our fee directly from the lender, so in most cases you don't have to worry about paying any additional fees for our assistance. We are committed to helping you find the best mortgage deal without adding any financial burden. Our goal is to make the mortgage process as transparent and cost-effective as possible for our clients. Check out our article Do All Mortgage Brokers Charge Fees? for a complete rundown on broker fees and what to look out for.
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What does a mortgage adviser do?A mortgage advisor will do the leg work for you, offering in-depth knowledge of the property lending market, helping you overcome challenges, and offering exclusive access to a database of banks and building societies. What's more, they offer a level of support that streamlines the entire process. You can learn more by visiting our article, Benefits of Working with a Mortgage Broker.
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How can I get the best mortgage advice?You can seek advice on mortgages directly from lenders such as banks or building societies. Alternatively, you can go to a whole of market mortgage advisor or broker who will search and compare numerous products at the touch of a button. Check out Benefits of Working with a Mortgage Broker for more information.
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Is mortgage advice free?Many mortgage brokers will charge for their services, which could be upfront or due upon completion—or sometimes both. Therefore, it's crucial to compare options. At Beechwood, we always provide a free consultation and promptly disclose any potential charges for our services. We now offer complimentary support for first-time buyers (terms and conditions apply) and continuously strive to extend our trusted services free of charge to everyone. Check our Fees page for a full rundown on broker fees. You can also visit our page Do All Mortgage Brokers Charge Fees? for further information.
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Do banks charge for mortgage advice?No, banks will not charge an advice fee. You do however need to remember that they will only recommend their own specific products. All lenders charge varying fees and this will be no different if you work with a mortgage broker. Whole of market mortgage advisors / brokers are more likely to provide an impartial perspective on the most suitable and competitive mortgage products and via a huge variety of lenders. Many brokers will charge a fee, for more information check out our article, Do All Mortgage Brokers Charge Fees?
