1: How are Buy to Let Financial different?

Buy to Let Financial give a whole of market advice and recommendation service, process your mortgage for you and pay you a fee for using our service.

2: I’ve heard of Cash-Back Mortgages before though?

You may have heard of cash-back mortgages before but this is usually a refund of a fee that you have already paid in the form of a valuation fee or solicitors fee associated with your mortgage. The cash-back you receive from Buy to Let Financial is a share of the commission paid by your new mortgage lender.

3: Where does my cash-back come from?

You may be familiar with mortgage brokers that do not charge a fee for their advice but they will usually get paid a commission from the lender for introducing you as a customer. This is sometimes called a procuration fee - ‘proc fee’ for short. Buy to Let Financial will give you back up to 60% of this money on completion of your new mortgage.

4: So how do you make your money?

Well, we are sharing our income with you so we still get some money for arranging your mortgage – just not all of it! We are so confident that our customers will be delighted with our service and cash-back offering that you will be telling everyone about us.

5: I already have a mortgage & I’m tied in, can Buy to Let Financial help?

Yes we can help. Our advisors will calculate what it is going to cost to repay your existing mortgage and advise you whether it is financially beneficial for you to switch to a better rate. If the penalty charges for repaying your mortgage are too high to make it financially beneficial to you, we will arrange to give you a call back when your current tie-in ends.

6: Are Buy to Let Financial regulated by the FSA?

Yes, Buy to Let Financial is a Rate Hunter Ltd company that is appointed representative of Intrinsic Mortgage Planning Ltd, Wakefield House, Aspect Park , Pipers Way , Swindon , SN3 1SA which is authorised and regulated by the Financial Services Authority. Intrinsic Mortgage Planning Ltd’s FSA Register number is 440718.

The permitted business of Intrinsic Mortgage Planning Ltd is advising on and arranging mortgages, general insurance and life insurance. You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

7:  What do I do if I have a complaint?

If you wish to register a complaint, please contact us:

In writing:
Write to Compliance Department, Intrinsic Mortgage Planning Ltd, Wakefield House, Aspect Park , Pipers Way , Swindon , SN3 1SA .

By phone:
Telephone 01793 647400.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.