One Consultancy Solutions

Our partner mortgage advisors and brokers are on hand to support you with all your financing needs.

Our teams work seamlessly together on your behalf, whether you are a new client or existing, we make it a priority to introduce you to our services through our partners, to build a package to suit your needs.

From everyday finance to more complicated deals and structures, please contact us to see how we can assist you through our partners.

Typical Mortgage Advice Process

Review your investment goals: We can help you evaluate your investment strategy, rental income, and financial goals to determine how lending aligns with your long-term plans, assessing the potential benefits, costs, and risks involved.

We will research and compare mortgage deals: We have access to lenders specialising in buy-to-let mortgages and will compare their offers on your behalf, considering interest rates, fees, loan-to-value ratios, rental income requirements, and the flexibility of mortgage terms.

Assess the property’s value: Obtain a professional property valuation to assess its current market value. This valuation helps determine the maximum borrowing capacity and equity available for mortgaging.

Gather required documentation: Prepare necessary documentation, such as proof of rental income, tax returns, property details, and identification. These documents are vital for the mortgage application process.

Apply for a new mortgage: We will submit a mortgage application with your chosen lender. Provide accurate information and respond promptly to any requests for additional details or documentation.

Property valuation and legal process: The lender will typically arrange a valuation of the property to verify its value. Additionally, a solicitor or conveyancer will handle the legal aspects, including property searches, title transfer, and discharging the existing mortgage. As a client of One Consultancy Solutions our experts partners within OCG Legal can handle this, coordinating with your advisory team.

Receive a mortgage offer: Upon a successful application and satisfactory valuation, you will receive a formal mortgage offer outlining the terms and conditions. Carefully review this document before proceeding.

Complete the mortgage: Accept the mortgage offer and work with your solicitor or conveyancer to finalise the mortgage process. They will repay any existing mortgage, register the new mortgage, and ensure a smooth transition.

Monitor and adapt: Regularly return to us for reviews of your buy-to-let portfolio and the mortgage market to identify opportunities for refinancing in the future. With our help and guidance, adapt your strategy as necessary to maximise returns on your investment.

Lending Considerations

Rental income and affordability: Lenders typically assess the rental income generated by the property to determine affordability. Ensure that the rental income covers the mortgage payments and any additional expenses associated with the property.

Eligibility criteria: Lenders have specific eligibility criteria for buy-to-let mortgages. Factors such as property type, minimum deposit, landlord experience, and credit history may influence your eligibility. Using our knowledge of various lenders and their criteria, we will find the best options for your unique circumstances.

Tax implications: Remortgaging can have tax implications for buy-to-let properties. As a client of One Consultancy Solutions, we can coordinate with your advisers to plan for the potential impacts of remortgaging on your tax obligations, including capital gains tax and mortgage interest tax relief changes.

Costs and fees: Consider the costs associated with remortgaging, such as valuation fees, legal fees, and potential early repayment charges from your current lender. Our expert advisers can help you to evaluate whether the potential benefits outweigh these expenses.

Future interest rate changes: We will help you to assess the potential impact of future interest rate changes on your mortgage payments and overall investment returns, taking into consideration whether a fixed-rate mortgage or a variable-rate mortgage suits your risk tolerance and long-term investment strategy.

To get more from your lending, please contact us.

Residential & BTL

Regulated Residential mortgages (for your home)

Buy-to-Let mortgages (for rental properties – non-regulated)

Regulated buy-to-let properties (where rental is not considered an investment e.g. inherited property or let to family)

Bridging finance

Development finance

1st and 2nd charge loans for personal and business purposes

Owner-occupied

Buy-to-let

Mixed use (owner-occupied and BTL)

Bridging

Development

Franchise lending

Financial Planning

Inheritance & Estate Planning

Mortgage & Lending Advice

Retirement Finances & Pensions

Savings & Pension Reviews and Advice

Investment Planning

Tax Planning

Insurance & Protection Planning

Financial Planning for Property Owners & Landlords

Investments

Wealth Management

Investment Selection

Investment Platforms

Investments & Tax

Funds, Stocks & Shares, Bonds

Alternative Investments

Diversification