Buy-to-let and landlord lending

Lending on investment property works differently to a residential mortgage. Affordability is driven mainly by the rent rather than your salary, deposits are larger, and the lender panel is narrower.

Buy-to-let

Rental stress tests, deposits and what lenders look for.

Limited company buy-to-let

SPV structures for landlords holding property through a company.

Let-to-buy

Keeping your current home as an investment while you buy the next one.

Holiday let

Short-term and holiday letting, which most standard buy-to-let lenders will not touch.

Portfolios

Portfolio landlords

Once you hold four or more mortgaged buy-to-let properties you are treated as a portfolio landlord. Lenders then assess the whole portfolio rather than just the property you are buying, which means business plans, cash flow forecasts and asset and liability statements.

The choice of lender narrows considerably and the paperwork is heavier. We handle these regularly, including for clients who hold property both personally and through companies.

Important

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

Your property may be repossessed if you do not keep up repayments on your mortgage.

Taxation advice is not regulated by the Financial Conduct Authority.

Building a portfolio?

Whether it is your first rental or your fifteenth, we will tell you what is achievable and what it will cost.

Book a callback Call 07973 705692