Rental income is only half the picture
Buy-to-let lending isn't priced like a residential mortgage. Lenders stress-test your expected rent against the loan using an interest coverage ratio, and that calculation shifts depending on whether you borrow personally or through a limited company, whether you're a higher-rate taxpayer, and the type of property.
Get the structure right and you borrow more, keep more, and grow faster. We model the options, personal versus limited company, five-year fixes to ease stress tests, top-slicing against personal income, and place you with the lender whose criteria fit your plan rather than the first that says yes.
Who we help
What you'll need
Every lender differs, but having these ready speeds everything up:
- RENTExpected or current rental income, and any tenancy agreements
- DEPOSITProof of deposit, typically 20–25% for buy-to-let
- PORTFOLIOSchedule of existing properties, if you have them
- COMPANYSPV details and directors' information, for limited company applications
- IDPhoto ID and proof of address
Frequently asked questions
Should I buy through a limited company or personally?
It depends on your tax position and plans. Higher-rate taxpayers building a portfolio often benefit from a limited company because mortgage interest is treated differently, but there are costs and trade-offs. We'll talk it through and, where the tax question is significant, suggest you confirm with an accountant before you commit.
How much deposit do I need for a buy-to-let?
Usually at least 20–25% of the property value, though the best rates often sit at 40% and above. The exact figure depends on the expected rent and the lender's coverage calculation, which we'll run for you before you make an offer.
Can I get a buy-to-let mortgage as a first-time landlord?
Yes. Fewer lenders offer it, and some want you to already own your home, but options exist and we know which lenders welcome first-time landlords rather than penalising them.
Are buy-to-let mortgages regulated?
Most buy-to-let lending is not regulated by the Financial Conduct Authority, though some "consumer" buy-to-let cases are. We'll tell you clearly which category yours falls into so you know exactly what protections apply.