We are independent mortgage advisers who have access to over 200 specialist and mainstream lenders to ensure you get the absolute best loan for your circumstances. Our experienced advisers will take time to understand your needs and circumstances and recommend a mortgage that fits with your budget and long-term plans. The YAY Mortgages team will take away all the headache of the mortgage process by dealing with the paperwork, lender, solicitor, insurance providers and more.
Put simply, the monthly rent payment you receive from your tenant needs to be higher than your Buy to Let monthly loan payment. This is called the coverage and your lender is likely to want to see at least 125%. Looking on sites like Rightmove and On the Market will give you an idea of what rental prices similar properties in your area are fetching.
Your buy to let property is a significant asset, so it is important to make sure your investment is protected by having adequate insurance in place.
Most landlord Insurance will also allow you to have additional features such as rent guarantee and legal expense cover, which can prove invaluable if your tenants fail to keep up with their rent, or in the event you need to repossess your property.
As busy solicitor with my own law firm and a multi million pound property portfolio it’s reassuring to have Taz and yay mortgages look after all my mortgage and property finance needs. They provide an exceptional service and are always on hand to advise and act quickly when the need arises. I’d be lost without them and highly recommend them to other portfolio landlords and buy to let investors.
Sasha Sidhu
We've been in your shoes, navigating through the maze of professionals, and we know what you need to reach your goals:
You deserve someone who goes beyond the basics. We pride ourselves on being meticulous, detail-oriented, and dedicated to achieving your best results—no shortcuts, no compromises—just excellence every step of the way.
Say goodbye to endless waiting and frustrating phone games. With us, you have direct access to your advisor. Whether you need a quick question answered or detailed guidance, we're just a call or text away, ensuring your peace of mind.
Life doesn't always adhere to a 9-5 schedule, nor do we. We understand the juggling act of family commitments, work obligations, and personal time. That's why we offer flexible evening and weekend appointments, ensuring that your mortgage needs fit seamlessly into your busy life.
Your satisfaction is our top priority. Unlike those who watch the clock more than they watch out for your best interests, we're committed to delivering the best possible service, no matter how long it takes. Your goals are ours; we'll stop at nothing to achieve them together.
Purchasing a home is more than just a transaction; it's a significant milestone in your life. We understand the nerves and uncertainties that come with it. That's why we're not just advisors; we're allies, offering friendly support, valuable advice, and reassurance every step of the way.
0330 133 5859 (9am to 5:30pm)
07429 265 892 (anytime)
hi@yaymortgages.co.uk
Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured against it. The FCA does not regulate some forms of Buy to Let mortgages, bridging loans and commercial mortgages. Calls may be recorded for training and monitoring purposes. MR Mortgages Ltd trading as Yay Mortgages are an appointed representative of Connect IFA Ltd who are authorised and regulated by the Financial Conduct Authority.
MR Mortgages Ltd Registered in England & Wales Company No.14036640
Registered Office: 642 London Road, Westcliff on sea, Essex SS0 9HW. FCA No.977214.