Buy to let mortgages simplified for portfolio landlords

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We help you build, develop, restructure and refinance your property portfolios

Welcome to Investa Finance

Investa Finance provides specialist mortgage advice and tailored solutions for clients at every stage of their property journey. Whether you’re stepping onto the property ladder for the first time or you’re a seasoned investor focused on building, developing, restructuring and/or refinancing your buy to let portfolio, we’re here to help.

Our founder, Mo Miah, has been advising clients since 2005, beginning his advice career at Abbey National. By the end of 2006, Mo moved to setting up independently, expanding his expertise to becoming a whole of market adviser, offering clients a broader range of mortgage solutions. Later founding the Investa brand and, fast forward to the present day, now choosing to specialise in buy to let, portfolio landlords and complex mortgage solutions.

Our business is founded on the belief of building strong, stable, long-term relationships with all our clients. We have always been focused on adding value, and support our clients on their property journey so you are not alone, and with our help you can confidently navigate your way through what can be a confusing marketplace.

Our financial services

We offer advice on buy to let, residential and lifetime mortgages. We also offer advice on protecting you financially against life events and unforeseen circumstances to ensure you and your family’s financial futures.

Buy to let & complex
financial solutions

Whether you’re building a property empire or looking to buy your first buy to let property, at Investa Finance we have got you covered.

Residential
Mortgages

If you are hoping to purchase your first house or looking to re-mortgage or move house, we will help you through the process.

Protection &
general Insurance

We can help with different ways to protect your family and your standard of living when you need it most.

Discover Our partnerships

Our partnerships enable our mortgage and insurance clients to access even more relevant financial services.

Why choose us?

We specialise in working with buy to let landlords, particularly those with large portfolios and those with aspirations to grow their property assets. Whether your goal is to generate passive income or achieve capital growth (or both), we help secure your financial future through strategic, expert advice.

Our clients take comfort in knowing we have their best interests at heart. We understand the nuances of each client’s unique situation, from personal circumstances to the diverse profiles of their property portfolios. We are well-versed in the different property strategies that you utilise, enabling us to represent your needs for financing to lenders to secure the positive outcomes that you seek. With our support, growing your property business and portfolio becomes an easier and more seamless process.

Our clients would be our best advocates for why you should use Investa Finance. We work to create a following of fans that rave about what we do for them. Please check out our five-star reviews on Vouched For and our other social channels.

...I needed advice/help with my first buy to let mortgage. The adviser understood what my needs were and took into account all my financial circumstances...

...I have no hesitation in recommending Mo to anyone for mortgage advice. Mo rocks!...

...Investa Finance helped me to understand the complex world of buying a house. Being a first-time buyer, this was very much needed. They were on hand to help...

...I needed professional advice to reduce my mortgage payments. I was helped with all my mortgage applications, and they have been a constant help from beginning to end…

...Over a period of a few weeks Investa Finance successfully managed to get me a formal offer from a lender (something I was giving up hope on!)...

I needed advice/help with my first buy to let mortgage. The adviser understood what my needs were and taking into account all my financial circumstances, was able to recommend a really competitive mortgage having researched the whole of the market place.

Investa Finance helped me to understand the complex world of buying a house, being a first-time buyer, this was very much needed. They was on hand to help me navigate solicitors and estate agents, letting me know what should be happening and when with the whole process. The attention to detail gave me great confidence that we would get a mortgage offer, as this was a lot more thorough than any bank.

I have tried getting a re-mortgage with various brokers over a period of 6 months, but no-one could assist me. When I spoke to Investa Finance they came across friendly, professional and knew their stuff. Over a period of a few weeks he successfully managed to get me a formal offer from a lender (something I was giving up hope on!) I would highly recommend Investa Finance.

When I needed a bespoke mortgage deal to suit my peculiar circumstances and Mo did a lot of legwork in finding me a very competitive mortgage on extremely good terms and a lender that would be accepting of the complex property that I had chosen to buy.

With his many years of experience and knowledge in the field, he helped us every step of the way to get the right mortgage to suit our needs. He has been professional, polite and hardworking to make first time property buying easier. He is very understanding of what a client needs, and always does his very best to assist. Definitely recommend Mo to others in needs of help.

Meet the team

The Investa Finance team are here to help you achieve your property investment aspirations and help secure your financial future.

Mo Miah

Advising principal

Anand Patel

Mortgage & protection consultant

Noshin Hoque

Mortgage administrator

Hakimah Miah

Client services administrator

Our process

Step 1

Finding out if you can get a mortgage

Establish the likelihood of obtaining the mortgage you require. It can sometimes be tempting to assume that finance will be no problem, and easy to come by, but this is not always the case.

Step 2

Agreement in Principle (AIP)

We will talk you through what documents are required at this stage, such as proof of identification, address and income. In most instances if the details provided to us are correct and up to date, then the AIP result would be positive, which subsequently would allow us to generate and provide you with an AIP certificate.

Step 3

Mortgage application

We now convert your AIP to a full application. We present to the lender your thoroughly packaged file, which is done with due care & accuracy. The lender will then underwrite the case and approve the file. After which they carry out a valuation of the property and upon receipt of a satisfactory valuation the case is then proceeded to offer.

Step 4

Mortgage offer

Now that you are in receipt of a mortgage offer, your appointed solicitor will carry out the necessary conveyancing and work with you to progress the matter to completion.

Get Started

Complete a quick and easy form that will allow us to gather information we need, along with your objectives and product preferences, and then let us get to work.

FAQs

How much can I borrow?

Some mortgage lenders will lend you up to five times your salary. This could potentially be higher and up to 6 times, should you qualify and meet the lenders required criteria, be that in terms of buyer type, professional background or level of income. This will also dependent on a number of factors including your age, number of dependants and current financial commitments. Lenders generally work out how much they will lend you based on what you can realistically afford each month after you have paid your bills, credit cards, loans etc.

How much deposit do I need?

To buy a home with a mortgage, you will need to save a deposit of at least 5%. The more you can save, the better your mortgage rate will be. There are a few exceptions to this however as follows:

If you already own a home, you can use the equity from your property for the deposit
If you qualify for lender designed product that allows you to borrow up to 100% of the property value
If you are a council tenant and are looking to buy your current home under the Right to Buy scheme, most mortgage lenders will now accept your Right to Buy discount as a deposit. With property prices increasing, first time buyers are struggling to save enough money to buy a home. We are experts on all the various mortgage deals available and can help you decide which mortgage deal best fits your needs.

How long does the process take for getting my mortgage approved?

Getting a mortgage application approved is dependent on you, your mortgage broker, and lender. At Investa Finance, we will support you through the process and guide you to have all the relevant documents prepared and ready for your mortgage adviser, which will help to speed up the process. Typically, we can achieve an offer in approximately 2-3 weeks of submitting your application. In this time, the lender would carry out a valuation, and verify supporting documents and income proofs as required. In other words, they complete the underwriting process and, all being well, they approve your mortgage loan.

Can I get a mortgage with bad credit?

If you have a history of bad credit including arrears, defaults, county court judgements (CCJs), debt management plans or bankruptcy, there are still mortgage options available. Your choice of mortgage lender and type of mortgage will be limited, however, and the rate of interest will be higher than someone who has a good credit rating. Our expert mortgage brokers are in regular contact with adverse mortgage lenders and are well placed to advise you on all your available options.

Can I switch my residential mortgage to a buy-to-let mortgage?

Many of our clients move home and convert their existing property to a Buy to Let, sometimes raising the capital required to input to their new residential home whilst making the change. Thus requiring 2 mortgages, one to re-finance the existing and the 2nd to fund the new one.

In some scenarios, where you are moving in with family or a new partner then a Buy to Let mortgage can also be arranged subject to meeting the requisite criteria.

What is the minimum income requirement for a buy-to-let mortgage?

The specific income requirements can vary among lenders and are influenced by factors such as the property’s rental potential, your existing financial commitments, and the lender’s individual criteria…

Some lenders will have NO MINIMUM INCOME requirement; others have tiers for differing scenarios.

Additionally, lenders may assess your personal income to ensure you have the financial capacity to cover any potential shortfalls.

Can I get a buy-to-let mortgage as a first time buyer?

YES, IT IS possible for a first-time buyer to secure a buy-to-let mortgage, subject to meeting lender terms and with certain factors to consider…

Lenders will assess your financial stability and ability to cover mortgage payments, whilst taking into account potential rental income, with additional scrutiny to your personal income and overall circumstances…

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