CHL Mortgages

CHL Mortgages: Specialist Buy-to-Let Solutions

CHL Mortgages is a respected lender in the UK, focusing on providing specialist buy-to-let mortgage solutions. With a deep understanding of the property investment market, CHL Mortgages offers a range of products designed to cater to both individual landlords and professional investors managing larger portfolios.

At Kerr & Watson, we can arrange a mortgage from the whole of the market including CHL Mortgages to offer our clients access to these specialist products, ensuring that you find the right mortgage to meet your investment goals.

Why do people consider CHL Mortgages?

Expertise in Buy-to-Let

CHL Mortgages has a strong reputation for its expertise in the buy-to-let sector. Whether you are an individual landlord with a single property or a seasoned investor managing multiple properties, CHL offers tailored products that can support your specific needs. Their flexible approach to lending ensures that even more complex cases are considered, providing opportunities for a wide range of borrowers.

Flexible Lending Criteria

CHL Mortgages understands that no two borrowers are the same, which is why they offer flexible lending criteria to accommodate various financial situations. This includes options for limited companies, HMOs (Houses in Multiple Occupation), and more. Kerr & Watson can help you navigate these options, ensuring you get the best possible terms for your mortgage.

Dedicated Intermediary Support

CHL Mortgages operates exclusively through intermediaries, ensuring that you receive expert advice and support throughout the mortgage process. By working with Kerr & Watson, you benefit from our in-depth knowledge of CHL’s products and our ability to provide personalised advice tailored to your investment strategy.

Efficient Service

CHL Mortgages is committed to providing a streamlined and efficient service, with a focus on quick decision-making and clear communication. This ensures that your mortgage application is processed smoothly and without unnecessary delays, helping you to secure your investment property with confidence.

Product Highlights

Buy-to-Let Mortgages

Tailored solutions for landlords of all sizes, including options for single properties, portfolios, and HMOs, with competitive rates and flexible terms.

Limited Company Mortgages

CHL offers products specifically designed for limited companies, providing tax-efficient lending options for professional landlords.

HMO Mortgages

Financing solutions for Houses in Multiple Occupation, ideal for landlords looking to maximise rental yields across multiple tenants.

Switching Your Rate with CHL Mortgages: What You Need to Know

CHL Mortgages offers a product switch/transfer process. All Product Switches/Transfers must be applied for by a professional mortgage adviser registered with CHL Mortgages for Intermediaries.

What Does This Mean for You as a CHL Mortgages Borrower?

If your current CHL mortgage product is nearing the end of its term, now is the ideal time to consider switching to a new rate. CHL Mortgages offers a product switch/transfer service with several key benefits, including no application fees, no valuation fees, and no legal fees. This service ensures that transitioning to a new mortgage product is both cost-effective and straightforward.

Product Switch/Transfer Eligibility Requirements

To be eligible for a product switch or transfer with CHL Mortgages, several conditions must be met.

The current mortgage must be a CHL-1 product that was completed after 1st January 2024. No additional borrowing, changes to the mortgage term, or porting to a different property are permitted.

The borrower’s financial situation must be stable, with all mortgage accounts up to date and managed satisfactorily.

The property must remain let and cannot be rented to a family member.

Applications for a product switch or transfer can only be made within 90 days before the end of the existing product’s early repayment charge (ERC) period, and the switch can only be applied after the final day of the ERC period.

Why Contact Kerr & Watson?

Navigating the buy-to-let mortgage market can be complex, especially when dealing with specialist products like those offered by CHL Mortgages. At Kerr & Watson, we simplify the process by providing expert advice and personalised service. Our team will work with you to understand your investment goals and match you with the best mortgage products available, ensuring that you make informed decisions every step of the way.

Get in Touch

Don’t miss out on the opportunity to benefit from CHL Mortgages’ specialist buy-to-let solutions. Contact Kerr & Watson today to speak with an adviser and explore how we can help you secure the right mortgage for your investment needs.

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should speak with a qualified advisor.

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.

If you would like an agreement in principle, we’ll also arrange this for you.

Application

We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.

We will also communicate with you at every stage, from application to completion.

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Kerr & Watson | Address: Pembroke House, 8 St Christophers Pl, Farnborough GU14 0NH, UK | Phone: 01252 224620 | Email: info@kerrandwatson.co.uk | Hours: Mon-Fri 9:00–17:30

Frequently Asked Questions

▸ ▾ What does a mortgage advisor do?

A mortgage advisor evaluates your income, outgoings, credit history, and other financial commitments. They also assess property-related details, whether you’re buying or refinancing, ensuring you understand the best mortgage options for your situation. They also process the mortgage application to the lender, working with them to obtain a mortgage offer, then work with the conveyancer towards the completion of your purchase or remortgage.

▸ ▾ How does a mortgage advisor enhance the likelihood of mortgage approval?

A mortgage advisor increases your chances of mortgage approval by matching you with the most appropriate lenders, optimising your application, and navigating complex lending criteria to find the best value deal for your circumstances.

▸ ▾ What are the financial benefits of working with a mortgage advisor?

Working with a mortgage advisor can save you from costly mistakes such as choosing the wrong mortgage type or failing to meet a lender’s criteria. Their expertise often leads to securing more favourable mortgage terms and rates.

▸ ▾ Can a mortgage broker get you a better rate?

Often, a mortgage broker can find more cost-effective deals for you, even when their fees are considered, they can review the whole market and access exclusive broker only products that may not be available directly to the public.

▸ ▾ What steps should you take before speaking to a mortgage advisor?

Before speaking with a mortgage advisor, gather all relevant financial documents, including payslips, bank statements, and details of your credit history to ensure an accurate assessment of your situation.

▸ ▾ What range of financial history do mortgage advisors examine?

Mortgage advisors and lenders typically assess the last six years of your credit history to gauge your financial behaviour, this includes any missed payments or defaults.

▸ ▾ How long does it take a mortgage advisor to get a mortgage offer?

The process from application to approval of a mortgage can vary, normally this is anywhere from two to six weeks depending on the mortgage lender and the complexity of your situation.

▸ ▾ Do mortgage advisors have access to exclusive mortgage rates?

Yes, mortgage advisors often have whole-of-market access, which allows them to secure competitive rates, sometimes not directly available to consumers.

▸ ▾ What documents do mortgage advisors typically require?

Advisors typically need proof of identity, proof of address, 3 months payslips, tax calculations or accounts, bank statements, and potentially credit report to fully assess your financial situation.

▸ ▾ What are the advantages of using a mortgage broker rather than going direct to your bank?

A mortgage broker can provide whole of market advice by comparing offers from multiple lenders, potentially securing better rates and terms than a single bank’s offerings.

▸ ▾ Who are the Financial Conduct Authority?

The Financial Conduct Authority (FCA) regulates mortgage brokers and lenders to ensure they adhere to ethical and professional standards.

▸ ▾ How do you know if your mortgage advisor is qualified?

A qualified mortgage advisor should have a Certificate in Mortgage Advice and Practice (CeMAP) or equivalent, which is recognised by the Financial Conduct Authority (FCA). They should also be listed on the Financial Services Register, ensuring they are authorised to give mortgage advice.

▸ ▾ How can you get a free credit report?

Lenders look closely at your credit score to decide how risky it is to lend to you. A good credit score can not only boost your chances of getting approved for a mortgage but might also get you better interest rates.

CheckMyFile offer a 30-day free trial after which a subscription fee applies, which can be cancelled any time.

CheckMyFile is a UK credit reporting service that collates information from the most popular credit referencing agencies, Equifax, Experian & TransUnion.