Godiva Mortgages

Godiva Mortgages:Flexible Buy-to-Let Solutions

Godiva Mortgages, a subsidiary of Coventry Building Society, is one of the UK’s leading buy-to-let mortgage providers, offering flexible and competitive mortgage solutions to both individual and portfolio landlords.

Godiva’s products are specifically tailored to meet the needs of professional landlords, whether you’re growing a property portfolio or remortgaging an existing investment.

At Kerr & Watson, we work with Godiva Mortgages along with many other buy to let lenders to ensure that our clients have access to the best possible buy-to-let mortgage solutions that meet their unique requirements.

Why do people consonder Godiva Mortgages?

Specialist Buy-to-Let Expertise

Godiva Mortgages offers a range of flexible products for landlords. Whether you’re a new or experienced landlord, Godiva’s products are designed to offer maximum flexibility and competitive rates.

Flexible Lending Criteria

Godiva Mortgages is known for their flexible approach to lending, with no minimum income requirements and high Loan-to-Value (LTV) ratios of up to 75% (depending on the product). They also support loans of up to £1 million, ensuring that even larger property investments are well-supported.

Support for Portfolio Landlords

If you manage multiple properties, Godiva Mortgages provides dedicated solutions with a straightforward Interest Coverage Ratio (ICR) and no need for unnecessary documentation such as business plans. Their dedicated underwriting team ensures that portfolio cases are handled efficiently.

Switching Your Rate with Godiva Mortgages

If your current Godiva mortgage product is nearing the end of its term, switching your rate can be an easy and cost-effective process. Godiva allows existing customers to switch to a new product through a seamless online process, with no application fees or valuation fees. This makes it simple for landlords to manage their mortgages while benefiting from the latest competitive rates.

Product Highlights

Buy-to-Let Mortgages

Tailored solutions for landlords, including those managing HMOs and operating as limited companies.

Portfolio Landlord Support

Easy, streamlined processes for portfolio landlords, with experienced underwriters to ensure smooth applications.

Why Contact Kerr & Watson?

Navigating the buy-to-let mortgage market can be complex, particularly if you’re managing multiple properties or operating through a limited company.

At Kerr & Watson, we work closely with Godiva Mortgages to provide expert advice and help you secure the best mortgage products available for your unique needs.

Get in Touch

Don’t miss out on the opportunity to benefit from Godiva Mortgages’ competitive and flexible buy-to-let mortgage products.

Contact Kerr & Watson today to speak with one of our advisers and explore how we can help you achieve your property investment goals.

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.