Buy to Let

Whether you're an experienced property investor or venturing into the realm of rental properties for the first time, we have financing solutions that can help you secure your next investment or ensure that your existing properties remain profitable.

Limited Company Buy to Let

Due to the tax changes brought about by Section 24, properties held in limited companies are becoming more popular. We have a wealth of experience in this niche and are well-equipped to facilitate your acquisition of new properties through a limited company or the strategic refinancing of existing assets.

Access to Specialist Buy to Let Lenders

We provide access to an array of lenders who specialise in buy-to-let mortgages and understand the complexities of property investment. Here are just a few lenders we use...

Foundation Homelaons buy to let mortgage

Nottingham building society buy to let mortgage

What deposit do I need for a buy-to-let mortgage?

The minimum deposit is usually 25%, though some lenders offer options with a 20% or 15% deposit (often with higher interest rates).
Are there any additional fees associated with buy-to-let mortgages?

Some lenders charge application fees and valuation fees, however there are often fee-free alternatives, keeping costs to a minimum.
What are my responsibilities as a landlord?

You'll be responsible for repairs, maintenance, finding tenants, and ensuring adherence to tenancy agreements and regulations.
What happens if my tenants don't pay rent?

Have a plan for managing potential rental arrears, including insurance options.
What is the minimum rental income required for a buy-to-let mortgage?

This varies, but lenders typically require the rent to cover the mortgage payment with an additional buffer (often 125% or 145%), depending on your income tax bracket.
How much can I borrow with a buy-to-let mortgage?

Lenders typically allow you to borrow up to 75% of the property value, although some might offer higher loan-to-value ratios (LTV) with higher interest rates.
What type of properties are eligible for buy-to-let mortgages?

Houses (including detached, semi-detached, and terraced): These are the most common buy-to-let properties as they tend to have a steady demand from renters. Flats (apartments): Many lenders allow financing for flats, although some might have limitations.
What taxes do I need to consider as a landlord?

If the property is held in your personal name, you'll be liable for income tax on rental profits and potentially capital gains tax when selling the property. If the property is held in a limited company there may be different tax liabilities such as corporation tax.
What are the interest rates for buy-to-let mortgages?

Interest rates for buy-to-let mortgages are generally slightly higher than standard residential mortgages and will vary depending on whether the property will be purchased in your personal name or via a limited company.
Can I use my buy-to-let rental income to qualify for the mortgage?

Yes, most lenders will consider your expected rental income to offset the mortgage repayments and calculate affordability. Your personal income can also be used to boost affordability if necessary. This is called top-slicing.