Hambleton Financial Services


mortgage brokers,

based in Northallerton

North Yorkshire.

Established in 1986.

We specialise in arranging



first time buyer mortgages, buy to let mortgages,

buy to let re-mortgages,

life insurance,

critical illness cover,

 income protection,

redundancy cover,

buildings/contents cover


We are paid commission

from the lender

should your mortgage complete

Hambleton Financial Services

1, Boston Avenue


North Yorkshire




08000 196 194


01609 77 57 44


07980 868154


Privacy Statement

Hambleton Financial Services

Mortgage Brokers & Insurance Consultants

Home About Us Our Services Mortgages Protection Insurance Extras

Are  you still paying too much?

Looking after our

clients since 1986

The guidance contained within this website is subject to the UK regulatory regime

and is therefore primarily targeted at consumers based in the UK.

Hambleton Financial Services is an appointed representative of TenetLime Limited,

which is authorised and regulated by the Financial Conduct Authority.

 TenetLime Ltd is entered on the Financial Services Register (www.fca.org.uk/register)

under reference 311266

Partners: W P Martlew & J E Martlew

A mortgage is a loan secured against your home or property

Your home or property may be repossessed if you do not keep up

repayments on your mortgage.

Buy To Let Mortgage

As specialist mortgage brokers we have access to a large number of buy to let mortgages, including products only available through mortgage brokers. Whether you are looking to buy a property or looking for a better mortgage deal on a current property, our many year’s experience in this marketplace will be central in helping with all your requirements.

A buy to let mortgage differs from a standard residential mortgage because a lender will take into consideration the rent you will earn from the property as the primary source of income for affordability purposes.

However, when considering a buy to let mortgage application, lenders will typically calculate affordability based solely on a prospective rental income of 125% of the monthly interest payment of the loan. In addition, they may also require the landlord to have a minimum personal income.

Because demand in the rental sector is high, buying a property to let out could be an ideal venture for the right person.

However, finding the right buy to let mortgage has recently become more complex.

We will help find the best buy to let mortgage deal for you to safeguard your investment and maximise profits.

We will help plan your property portfolio by understanding your individual circumstances, both now and in the future.

If you are planning your first buy to let purchase

or a buy to let re-mortgage

call us on FREEPHONE 08000 196 194

for a free no-obligation chat

or complete the on-line enquiry form

and an experienced and fully qualified mortgage advisor will answer your questions, confirm how much you could borrow

and the likely monthly mortgage repayments.

We shall search through our database of buy to let mortgages and recommend the best one for your individual situation.

We can help you to complete all the forms,

and manage your application through to a successful conclusion.

Don’t forget to look at our Extras section where you can

There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.

This is a long term investment which you hope will generate rental income along the way and a profit when you sell the property, but bear in mind that if you need access to some cash a property can take time to sell or re-mortgage.  If house prices fall, you might not be able to sell for as much as you had hoped. You would have to make up the difference if the property sold for less than you owe – a risk that increases, the higher the percentage you borrow. If you sell for a profit, you may have to pay capital gains tax.  Don’t forget that with a variable rate mortgage, your costs will rise if interest rates go up.  This would eat into, or even wipe out, your income and profit.

You may have to pay an early repayment charge to your existing lender if you re-mortgage.


Most buy to let mortgages are not regulated by the Financial Conduct Authority