Landlords

Landlord finance that actually stacks up

First rental or fifteenth, limited company or personal name, standard let or HMO. We know which lenders take a sensible view and which will waste three weeks of your time.

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How lending works

The rent has to pass the stress test

Buy-to-let lending is driven by the rent, not by your salary. Lenders apply an interest cover ratio, typically wanting the rent to cover between 125 and 145 percent of the mortgage interest at a stressed rate that is higher than the one you will actually pay.

That is why two lenders can differ by fifty thousand pounds on the same property. Knowing whose stress test your deal passes is most of the job.

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What we arrange

Across the whole landlord market

From a single flat to a portfolio, and from a straightforward let to the properties high street lenders will not touch.

Standard buy-to-let

Purchases and remortgages on ordinary residential property, in your own name or through a company.

Limited company lending

SPV purchases, which most portfolio landlords now use for tax reasons. A different lender panel and different pricing.

HMO and multi-unit

Houses in multiple occupation and blocks, where valuation and licensing rules change the picture considerably.

Portfolio landlords

Four or more mortgaged properties triggers extra underwriting on the whole portfolio. We prepare the schedules properly.

Let to buy

Keeping your current home as a rental while buying the next one. Two linked applications that have to complete together.

Refurbishment and bridging

Short-term finance for property that is not yet mortgageable, with a clear exit onto a term loan.

The numbers that matter

What we check before you offer

A deal that looks fine on a portal can fail on any one of these.

Interest cover at the stressed rateNot at the pay rate. A property that covers at 5.5 percent stressed is a very different proposition to one that only covers at your actual rate.
Gross and net yieldGross yield sells properties. Net yield, after management, insurance, voids and maintenance, is the one that pays you.
Personal name or limited companyCompany structures changed the maths for higher rate taxpayers. Your accountant decides this, but we tell you what each costs to finance.
The property itselfFlats above commercial premises, ex-local authority blocks, short leases and non-standard construction all narrow the lender list sharply.

A row of red brick houses on a British residential road

At a glance

Yield at different price points

Purchase price	Monthly rent	Gross yield	Typical view
£120,000	£700	7.0%	Strong yield, often northern towns
£180,000	£950	6.3%	Solid, comfortably financeable
£250,000	£1,150	5.5%	Workable, watch the stress test
£350,000	£1,400	4.8%	Tight, may need a larger deposit
£450,000	£1,650	4.4%	Capital growth play, not income

How it works

How a landlord case runs

Step 01

Check it stacks before you offer

Send us the price and the expected rent. We tell you within the hour whether it passes a stress test and roughly what deposit you need.

Step 02

Match it to the right lender

Structure, property type and your portfolio all narrow the field. We aim at lenders who will actually say yes.

Step 03

Through valuation to completion

Buy-to-let valuations are stricter and rental assessments can come in low. We manage that and appeal where there is a case.

Good to know

Frequently asked questions

How much deposit do I need for a buy-to-let?

Usually twenty five percent as a minimum, and the pricing improves at thirty five or forty. Some lenders will go to twenty percent, though the rate and the stress test both get harder. Deposit is often driven by the rental cover rather than by lender maximums.

Should I buy in a limited company?

For higher rate taxpayers building a portfolio, often yes, because mortgage interest is treated differently. For a single property owned by a basic rate taxpayer, often not. This is a tax question for your accountant, and we will happily talk to them directly about the financing side.

Can I get a buy-to-let as a first-time buyer?

It is possible but the lender list is short, and several will decline outright on the basis that you have no residential track record. Where it is achievable we know who does it and what they will want to see.

What is an interest cover ratio?

The multiple by which the rent must exceed the mortgage interest at a stressed rate. Typically 125 percent for basic rate taxpayers and limited companies, and 145 percent for higher rate taxpayers. The stressed rate is usually well above the pay rate, often around 5.5 percent.

Are buy-to-let mortgages regulated?

Most are not regulated by the Financial Conduct Authority. The exception is a consumer buy-to-let, which typically applies where you did not buy the property as an investment, for example a house you inherited or your former home. We will tell you which category you fall in.

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.

Let's talk

Send us a deal to check

A short, friendly chat is all it takes to see what you could save. No jargon, no pressure, just clear advice.

Book a callback Call 07788 580 360