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Buy to Let Mortgages:  First Time Landlords and First Time Buyers

Our panel of carefully selected Specialist Mortgage Brokers are always here to support and assist you, offering a whole of market service. Who at times have exclusive offers for our clients. 

What is a First Time Landlords and First Time Buyers Mortgage?

A First Time Landlord Mortgage is for those starting on their journey into the buy to let world, who own their own home, and are looking to purchase a property as an investment. You will usually be required to put down a deposit of around 25% of the property's value; and in some cases as much as 40%. Our panel of brokers will look at the best options for you.

First time buyers who want to be a landlord without owning their own home, can do so. You will have to pay a much higher deposit than if you use your status, to purchase your own first home to live in. Our panel of brokers have access to first time buyer landlord mortgages 

You will almost certainly need to put down a larger deposit than a domestic buyer – this could be around 25% of the property's value but maybe as high as 40%. The larger your deposit, the more likely you will get a mortgage offer and a better rate.

There is the possibility that you may find it more challenging to secure a loan than if you have owned residential property before. This is because fewer buy-to-let mortgages are available to first-time buyers – around a fifth by some reckoning. Plus, you'll likely need to put down a bigger deposit.

Find out how our panel of specialist mortgage brokers can help find the right deal for you.

Buy to Let Mortgages:  Portfolio Landlords

Our panel of carefully selected Specialist Mortgage Brokers are always here to support and assist you, offering a whole of market service. Who have at times exclusive offers for our clients.  

What is a Portfolio Landlords Mortgage?

A Portfolio Mortgage allows landlords to put all their Buy to Let properties under one mortgage, with no upper limits as to how many you can be included within the portfolio although some lenders may stipulate a number.

The whole portfolio is managed and looked after as one account by one lender with a just single monthly repayment instead of the usual multiple by one lender. Which makes it easier landlords to keep track of their investments.

Portfolio landlords are those who own at least four rental properties with buy to let mortgages attached, and can be of varying types. Which can include a mixture of buy to let, holiday let, HMO and multi-unit freehold properties. 

Find out how our panel of specialist mortgage brokers can help find the right deal for you.

Commercial Landlord Insurance

Our panel of carefully selected Specialist Insurance providers will offer the best options for you when looking for Commercial Landlord Insurance.

What is Commercial Landlord Insurance?

Commercial Landlord Insurance for shops, restaurants, or industrial units.throughout the UK and offering the following:

• Comprehensive coverage for landlords of commercial properties
• Protection against risks like fire, theft, water damage, and vandalism
• Building insurance for property structure protection
• Contents insurance for fixtures, fittings, and furnishings
• Coverage for loss of rent or alternative accommodation expenses for residential units within your portfolio
• Liability insurance for property damage or personal injury claims against a third party
• Numerous extensions included as standard and tailored to the property industries you are involved in
• Dedicated support and claims assistance provided

Find out how our panel of insurance specialists can advise and help find the right cover for you.

Landlord & Tenant:  Defend a Deposit Claim

Our panel of carefully selected Specialist Lawyers are always here to support and assist when needed.

What is a Defending a Deposit Claim?

Defending a Deposit Claim is when a tenant issues a claim for compensation. Which can happen when a landlord did not protect the deposit or protected it late. 

Find out how our panel of specialist lawyers can assist you.

Landlord & Tenant:  Evictions

Our panel of carefully selected Specialist Lawyers are always here to support and assist when needed. 

What are Evictions?

Evictions are when you are looking to end the tenancy of your tenant.

You will need to serve a notice such as a Section 8 or Section 21 notice to do such.

If a tenant decides not to vacate the property as outlined within the notice. It is advised to instruct a legal specialist to file court papers on your behalf to start the legal process, and reprsent you in court if necessary.

Find out how our panel of specialist lawyers can assist you.

Landlord & Tenant:  Section 21 Notice

Our panel of carefully selected Specialist Lawyers are always here to support and assist when needed.

What is a Section 21 Notice?

A Section 21 Notice is a notice from a landlord to terminate a tenancy in accordance with UK law.

This written notice must be served to the tenant at least two months before the intended end date of the tenancy. 

Our panel of specialist lawyers can assist you with the following:

• Check all paperwork in accordance with regulatory requirements
• Drafting of the notice
• Serve notice in the manner recognised by the courts
• Advise and support you throughout the process

Find out how our panel of specialist lawyers can assist you.

Landlord & Tenant:  Section 8 Notice

Our panel of carefully selected Specialist Lawyers are always here to support and assist when needed.

What is a Section 8 Notice?

A Section 8 Notice serves as a notification that the landlord is pursuing possession of their property, either for a change in use or due to a violation of the tenancy agreement.

While the notice requests the tenant to vacate the property, an immediate departure is not required, as there will be a specified notice period.

Things to consider as listed below:

Landlord and Tenant:  Anti-Social Behaviour

Our panel of carefully selected Specialist Lawyers are always here to support and assist when needed.

What is Anti-Social Behaviour?

Landlord and Tenant:  Breach of Tenancy Agreement

Our panel of carefully selected Specialist Lawyers are always here to support and assist when needed.

What is a Breach of Tenancy Agreement?

A Breach of Tenancy Agreement is when a tenant fails to comply with the terms of the Tenancy Agreement. This can be anything from:

• Failure to pay Rent
• Damage to Property
• Illegal activity on the property

Find out how our panel of specialist lawyers can assist you.

Landlord and Tenant:  Disrepair

Our panel of carefully selected Specialist Lawyers are always here to support and assist when needed.

What is Disrepair?

Housing Disrepair pertains to a rented property requiring repairs to meet the standards suitable for tenant habitation. It falls under the tenant's obligation to promptly notify landlords of any issues, and by law, landlords must take corrective action within a 'reasonable' timeframe.

Swift responsiveness is crucial to prevent any possible housing disrepair claims being initiated by the tenant.

Advice can be provided for both tenants and landlords.

Find out how our panel of specialist lawyers can assist you.

Landlord and Tenant:  Harassment

Our panel of carefully selected Specialist Lawyers are always here to support and assist when needed.

What is Harassment?

Harassment in the UK includes actions by landlords that make tenants feel unsafe or disrupt peaceful living, such as changing locks without notice or withholding keys.

It's a crime for a landlord to harass tenants or try to force them out of a property without using proper procedures. If this happens, you may have a right to claim damages through the court.

Eviction options include a Section 8 notice for tenancy breaches and a Section 21 notice for 'no-fault' evictions'.

Adhering to the legal eviction process is essential to avoid accusations of harassment, potential prosecution, and imprisonment.

Find out how our panel of specialist lawyers can assist you.

Landlord and Tenant:  Rent Deposits

Our panel of carefully selected Specialist Lawyers are always here to support and assist when needed.

What are Rent Deposits?

It is mandatory to deposit your tenant's rental deposit into one of the three government-backed tenancy deposit protection schemes. They are the Tenancy Deposit Solutions Limited (TDSL) also known as MyDeposits, The Deposit Protection Service (DPS) and The Tenancy Deposit Scheme (TDS) within 30 days of receipt.

These schemes are designed to guarantee tenants the return of their deposit when the tenancy concludes, provided they have not violated any terms.

In cases of disagreement with your tenant, the scheme will retain the deposit until the matter is resolved.

Find out how our panel of specialist lawyers can assist you.

Landlord and Tenant:  Right to Manage

Our panel of carefully selected Specialist Lawyers are always here to support and assist when needed.

What is Right to Manage?

Landlord and Tenant Law in the UK grants leasehold property owners the Right to Manage (RTM), allowing them to assume control of the building's management without the landlord's agreement. Leaseholders must notify the landlord if they intend to exercise this right.

If successful, the leaseholders will manage the building while the landlord retains ownership.

Find out how our panel of specialist lawyers can assist you.

Landlord Home Emergency Cover

Our panel of carefully selected Specialist Insurance providers will offer options when looking for Landlord Home Emergency Cover.

What is Landlord Home Emergency Cover?

Landlord Home Emergency provides Cover in the UK, and peace of mind not having to pay for those costly call out fees.

• Standalone insurance
• Specifically designed for landlords
• Protection and assistance for home emergencies
• Covers plumbing, heating, electrical, security, and more
• 24/7 emergency helpline
• Covers callouts, parts, and labour
• Provides peace of mind and financial burden for landlords

Find out how our panel of insurance specialists can advise and help find the right cover for you.

Landlords Contents Insurance

Our panel of carefully selected Specialist Insurance providers will offer options when looking for Landlords Contents Insurance.

What is Landlords Contents Insurance?

Landlord Contents Insurance covers for the cost of repair or replacement of furniture and appliances that are provided in your rental property in the event of a valid claim.

These possessions may well include everything from beds, sofas, dining tables, curtains, carpets and freestanding white goods, being washing machines, fridge freezers.

Key elements of cover within this policy

• Loss of rental income cover
• Trace and Access
• Costs of removal of tenants debris
• Covers damage caused by forced access by emergency services
• Some insurance policies include as standard or can be added the option of Landlord’s Legal Protection cover for up to £50,000
• Accidental damage to underground pipes and cables
• The cost of replacement locks and keys if your keys are lost or stolen
• Alternative accommodation costs for tenants if the property is uninhabitable following an insured event
• Malicious damage and theft by tenants
• Costs from unauthorised use of electricity, gas or water
• Accidental damage cover can be included for contents
• Protection for personal belongings and household items
• Safeguard against theft, damage, and loss
• Cover for furniture, appliances, electronics, and more
• Additional cover options available for high-value items
• Insurance against natural disasters, fire, and water damage
• Affordable premiums and flexible payment options
• UK claims and support when needed

Comprehensive contents insurance for landlords wherever your property is in the UK, offering peace of mind should the need arise for a claim.

This policy by some of our brokers is underwritten by SAGIC being The Salvation Army General Insurance Corporation, which are wholly owned by The Salvation Army. This means when you buy this policy, you are helping The Salvation Army support people in need and gives you an ethical, trustworthy underwriter to look after you in the event of a claim.

Find out how our panel of insurance specialists can advise and help find the right cover for you.

Landlords Legal Expenses Cover

Our panel of carefully selected Specialist Insurance providers will offer the best options for you when looking for Landlords Legal Expenses Cover.

What is Landlords Legal Expenses Cover?

Landlords legal expenses insurance provides legal assistance and advice plus cover for legal costs should a dispute relating to your property and tenant(s).

• Cover for up £100,000 legal expenses to gain possession of your property by way of eviction. This includes issuing any section notices, for example Section 8 and 21
• Recovery of undisputed debt of rent unpaid by a tenant
• Legal expenses cover up to £100,000 incurred in legal disputes for terms within a tenancy, damage caused by nuisance, dilapidations to the property
• Cover for legal expenses incurred in contractual disputes with a contracting party over the repair and renovation of the insured property
• Legal expenses incurred in the defending of a criminal prosecution under the Health and Safety Act
• Tax Investigation Cover - for professional expenses incurred for representation during an HMRC investigation
• Access to legal advice helpline open 24/7 dedicated to offer you the best legal advice possible
• The policy helps landlords manage the financial burden of legal proceedings and access legal support
• Competitive premiums

Find out how our panel of insurance specialists can advise and help find the right cover for you.

Landlords Liability

Our panel of carefully selected Specialist Insurance providers will offer the best options for you when looking for Landlords Liability.

What is Landlords Liability?

Landlord Liability Insurance is designed to protect you from personal injury claims made by tenants, guests, visitors, or people employed to work on your property.

This policy covers you and includes the following:

• £5m public liability cover
• Covers loss or damage to material property or bodily injury (including death, illness, or disease)
• Cover provided where you own the property on leasehold and the freeholder insures the buildings
• Legal Expenses following a claim
• Competitive premiums

Find out how our panel of insurance specialists can advise and help find the right cover for you.

Multi-Property Landlord Insurance

Our panel of carefully selected Specialist Insurance providers will offer the best options for you when looking for Multi-Property landlord Insurance.

What is Multi-Property Landlord Insurance?

Multi Property Landlord Insurance is essential for landlords with a portfolio of properties.

This type of insurance offers cover under one policy for all your properties within your portfolio. Whether Residential or Commercial, saving you time, and peace of mind should the need arise for a claim.

We have listed below the main cover within your policy

• Comprehensive cover across your portfolio
• Add unlimited properties
• No mid-term amendment fees
• UK claims team
• Discounts for multiple properties
• All risks considered
• Wide range of tenancy types considered - to include students, and tenants in receipt of universal credits
• Cover for costs of rehousing a tenant(s) following insured damage to the property.
• Loss of rent cover following insured damage to the property.
• Property owners liability cover up to £5,000,000
• Employers liability cover up to £10,000,000 for cleaners, gardeners, caretakers, and persons doing minor maintenance and repairs
• Up to 90 days full cover between lets for unoccupied properties

Find out how our panel of insurance specialists can advise and help find the right cover for you.