Property as an investment
Buy-to-let
Buy-to-let lenders look at the rent a property can achieve as well as your own circumstances. Whether you are letting your first property or adding to a portfolio, we help you understand the lending rules and the numbers behind them.
How we can help
What we take care of
- Purchase and remortgage finance for rental properties
- Understanding rental cover calculations and stress tests
- Options for limited company and personal ownership structures
- Letting a home you already own, including consent-to-let
Worth knowing
Things to consider
- i.
Deposits for buy-to-let are typically larger than for residential purchases.
- ii.
Tax treatment differs between personal and company ownership; take tax advice.
- iii.
Holiday lets and houses in multiple occupation have their own criteria.
Common questions
Questions we often hear
Do I need to be an experienced landlord?
No. Some lenders welcome first-time landlords, although criteria can be stricter. We will point you towards lenders that suit your experience.
Let’s talk it through.
Every mortgage starts with a conversation. Tell Leon where you are and where you’d like to be, and we’ll take it from there, at your pace.