Mortgage Find

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Mortgage Find Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage. A fee may be charged for mortgage advice.

We are independent mortgage brokers specialising in the property industry since 2007

We are able to offer face to face, telephone, or online consultations to suit every time zone. The exact amount will depend on your circumstances. Mortgage Find Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. 12629866. Unit 2 Invicta Park, Sandpit Road, Dartford, England, DA1 5BU

📄 Applying for a Buy-to-Let mortgage in the UK?Make sure you have the right documents ready.Lenders will usually ask for...
04/03/2026

📄 Applying for a Buy-to-Let mortgage in the UK?
Make sure you have the right documents ready.

Lenders will usually ask for the following when assessing your application:

🪪 Identity & Address Proof
• Passport or driving licence
• Recent utility bill or bank statement

💼 Income Evidence
• 3–6 months payslips (employed)
• SA302s and tax returns (self-employed)

🏦 Proof of Deposit
• Bank statements showing where your deposit funds are held

🏠 Rental Income Information
• Rental statements (if you already own property)
• Estimated rental valuation for the new property

📊 Credit & Financial Information
• Credit history checks
• Details of existing loans, mortgages and credit cards

🌍 Foreign Nationals
• Share code to confirm right-to-reside in the UK (if required)

Having these ready can make the mortgage process much faster and smoother.

If you’re thinking about investing in property and want to understand your options…

📩 DM “BUY TO LET” and we’ll help you get started.

propertyinvestment mortgageadvice

Thinking about buy-to-let in the UK?Before you look at properties…Check if you actually meet lender criteria.Here’s what...
27/02/2026

Thinking about buy-to-let in the UK?

Before you look at properties…
Check if you actually meet lender criteria.

Here’s what most investors don’t realise:

🏠 Most lenders want minimum 25% deposit
📊 Rent must cover 125–145% of the mortgage payment
💼 Many require a minimum personal income (£25k)
📉 Stress testing is done at higher rates — not today’s deal
📂 Clean credit history matters more than people think

Buy-to-let isn’t just about finding a deal.

It’s about qualifying for finance first.

If you’re unsure whether you meet the criteria —
DM “INVEST” and we’ll run the numbers properly.

IS BUY-TO-LET DEAD IN THE UK?Or are weak strategies dead?🧟Buy-to-let isn’t dead.But:• Cheap debt is gone• Lazy deals don...
25/02/2026

IS BUY-TO-LET DEAD IN THE UK?

Or are weak strategies dead?

🧟Buy-to-let isn’t dead.

But:
• Cheap debt is gone
• Lazy deals don’t work
• Tax inefficiency gets punished

Smart structuring matters more than ever.

🏠 Buying In Your Own Name

Pros
✔ Simpler
✔ Lower setup costs
✔ Easier to extract profit

Cons
✖ Higher-rate income tax
✖ Limited mortgage interest relief
✖ Harder to scale beyond 2–3 properties

Best suited for:
Basic rate taxpayers or 1–2 property strategy.

🏢 Buying Through A Limited Company

Pros
✔ Corporation tax (often lower than 40–45% income tax)
✔ Mortgage interest fully deductible
✔ Easier portfolio growth

Cons
✖ Higher rates (sometimes)
✖ More complex lending
✖ Accounting + admin costs

Best suited for:
Long-term portfolio builders.

The structure isn’t about trend.

It’s about:
• Your tax bracket
• Your income
• Your long-term exit strategy
• Whether you plan to reinvest profits

Wrong structure = thousands lost in tax.

Thinking about investing or restructuring?

DM “INVEST”

Let’s run the numbers properly.

Welcome to the Mortgage Find team Desmond.Fun facts: me and Des have been working together for 17years. From Countrywide...
07/03/2025

Welcome to the Mortgage Find team Desmond.

Fun facts: me and Des have been working together for 17years. From Countrywide days to NatWest back to Countrywide.
He is an extremely experienced broker, with an extension knowledge in guiding people from Buy to Let, remortgage and first time buyers.
INFACT, Des is the one who taught me how to be a broker.
My original mentor.
Mortgage Find has gained an absolute asset to the business and we are so pleased he is up and running.

If you can prove that you've paid your rent in full and on time over the last 12 months, you could be eligible for a mor...
27/06/2023

If you can prove that you've paid your rent in full and on time over the last 12 months, you could be eligible for a mortgage with no deposit. Apply now to get a 100% mortgage with Skipton if the following applies to you:

🏡 You're a first-time buyer and over 21 years of age.

📄 You have been renting for at least 12 consecutive months out of the past 18 and be up to date on all rental payments during this period (proof will be required).

💡 You are up to date for at least 12 consecutive months out of the past 18 on household bills, such as council tax, electric and gas (again, proof will be required).

📱 You haven't missed any other repayment commitments over the past six months, such as Netflix subscriptions, mobile phone repayments etc.

🏢 You aren't looking to buy a new-build flat.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

This week, we'll honour Men's Health Week by encouraging men to take charge of their health, whether it's eating better,...
20/06/2023

This week, we'll honour Men's Health Week by encouraging men to take charge of their health, whether it's eating better, exercising more, or seeing the doctor for regular check-ups 💪🏻

Your insurance may offer additional benefits such as virtual GP, gym discounts and nutrition advice! Make the most out of your insurance now! 🤩

It's Father's Day! 💙We hope all the dads out there have a fantastic day today!
18/06/2023

It's Father's Day! 💙

We hope all the dads out there have a fantastic day today!

Skipton's 100% mortgage is only available to first-time buyers who have paid their rent in full and on time for at least...
14/06/2023

Skipton's 100% mortgage is only available to first-time buyers who have paid their rent in full and on time for at least 12 months 🏡

It is a five-year fixed mortgage and works similarly to other fixed mortgage deals, as you are charged the same interest rate for five years 🔒

The main difference is that Skipton's new deal doesn't require a deposit ❌

However, you can not borrow more than the equivalent of what you pay each month in rent. So for example, if you pay £1,000 a month on rent, a 100% mortgage couldn't cost you more than the equivalent of £1,000 a month.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Thank you for your feedback. It always brightens up our Monday mornings! 🤩
05/06/2023

Thank you for your feedback. It always brightens up our Monday mornings! 🤩

Address

Lime Tree Walk
London
TN131YH

Telephone

+442081066883

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