Buy to Let

A buy to let mortgage, which can also be called an investment 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. When considering a buy to let mortgage application, a lender will typically look for a prospective rental income of 125% of the monthly interest payment of the loan, but may also require the landlord to have a minimum personal income of typically £25,000.

First Time Buyer

As a first time buyer you should seek advice to see how much the bank is able to lend you. Each bank and building society has different levels of affordability and also has different rules when assessing your income and expenditure. The new MMR rules which came into effect in April 2014, which have been widely publicized in the recent media have caused banks to request far more information about your spending habits than they used to.


There are many reasons to think about remortgaging. Not only could remortgaging reduce your monthly outgoings, it could alternatively help you pay off your mortgage more quickly in one of two ways. You could either reduce your monthly payment by remortgaging to a lower rate, freeing up cash to make overpayments, or alternatively increase your monthly payment and take your mortgage over a shorter term.

Home Mover

Once you have an offer accepted on your new home, we can arrange for a local mortgage adviser to guide you through the buying process, from making an offer to completion and moving in. Our advisers can discuss your personal circumstances with you, including your income, outgoings, future plans and savings. From this we can recommend the most appropriate mortgage for you which will be specific to your circumstances. By using the latest sourcing technology we are able to search over 10,000 mortgage products to find you the best deal.

Mortgage Protection

Mortgage payment protection insurance (also known as MPPI) is designed to cover your monthly mortgage payments should you be unable to meet them due to accident, sickness or unemployment. There are different levels of insurance cover available. You can choose to protect your mortgage repayments should you be unable to work due to accident or sickness. The insurance can also protect you if you unexpectedly lose your job or have to leave your job to become a full time carer for a member of your immediate family.


The insurance sector place is more aggressive than ever, with providers constantly changing their premiums to ensure their quotes are the most competitive available. At Red Fox Mortgage Specialists we analyse the entire market to provide you with the most up-to-date quotations possible for a wide range of insurance packages.
Whether you are looking for Life Assurance, Income Protection Insurance or Critical Illness Life Cover or Buildings Insurance policies, our advisors are specially trained to seek out the best rates available to you at any given time.
By utilising our advanced search methods covering the entire insurance marketplace, we can advise and source the very best insurance premiums available in the following areas:-
1, Critical Illness Cover – Should you be diagnosed with a critical illness, a lump sum or monthly payments will be contributed towards your outstanding mortgage.
2, Income Protection – Should you ever become ill, have an accident or are made redundant, a percentage of your monthly payments will be made towards your mortgage.
3, Buildings Insurance – A legal requirement for every mortgage owner, protects your home should the property become damaged in any way.
4, Life Assurance – Guarantees that upon the event of your death a lump sum will be paid to your family to help repay any outstanding mortgage payments.
5, Contents Insurance – Vital for protecting your home in the event of a fire, flooding, explosion or burglary.
For further information about any of the above insurance policies and to find out how we can help you obtain the most competitive rates in the market.Book a Callback


Red Fox Money is a trading style of Beneficial Mortgages (Manchester) Ltd which is an appointed representative of Beneficial Life (London) Ltd, which is authorised and regulated by the Financial Conduct Authority, FCA number 736655. Beneficial Mortgages (Manchester) Ltd is authorised and regulated by the Financial Conduct Authority, 776566. Company Registered in England and Wales, registration number 10721895.