For every kind of landlord
Buy-to-let lending has its own rules, and rental stress tests can make or break a deal. We know which lenders are realistic about rent, tax and property type.
Whether you hold personally or through a limited company, we structure things to suit your plans.
- ✓Personal and limited company buy-to-let arranged
- ✓HMO, multi-unit and holiday-let lending
- ✓Portfolio landlords welcome, however many properties
Grow with confidence
Building a portfolio is about more than one purchase. We help you plan how each new property affects your borrowing capacity and cash flow.
You get a lending partner who understands the long game, not just the next completion.
- ✓Portfolio planning across multiple properties
- ✓Refinancing to release equity for your next purchase
- ✓Landlord protection and rent guarantee options
Documents you’ll need
Having these ready speeds everything up. Don’t worry if something is missing, your adviser will help you gather what’s needed.
- ✓Photo ID (passport or driving licence)
- ✓Proof of address (last 3 months)
- ✓Last 3 months’ payslips or 2 years’ accounts
- ✓Last 3 months’ bank statements
- ✓Proof of deposit or equity
- ✓Details of loans, cards and commitments
Common questions
Usually yes, typically 25% though some lenders accept less. The right figure depends on the expected rent and the lender's stress test, which we calculate for you.
It can be more tax-efficient for some landlords, but not all. We work alongside your accountant so the mortgage structure matches your tax position.
Most are not regulated by the FCA, though some, such as lending to a family member, are. We will always tell you clearly which applies to you.
Lenders typically want the rent to cover 125% to 145% of the mortgage interest at a stressed rate. We run these calculations upfront so you know whether a property stacks up before you offer.
Yes, both have specialist lenders with their own criteria. HMOs may need licensing and holiday lets are assessed on projected seasonal income. We arrange both regularly.
That depends on the property, the financing and your tax position. We will give you an honest view of the numbers, including yield and stress tests, rather than a sales pitch.
Building your property portfolio?
Let us find landlord finance that works on the numbers and supports your next move.