Investing in property
Buy-to-let mortgages work differently to residential ones. From affordability calculations to ownership structures, we'll make sure you understand your options and find the right deal for your investment.
The headline figures every buy-to-let investor should know up front:
Most buy-to-let lenders require at least a 25% deposit — some specialist deals go lower.
Lenders apply a rental stress test: expected rent must cover the mortgage payment at a stressed rate.
From high street to specialist BTL lenders — including limited company and HMO products.
Buy-to-let lenders assess affordability differently — they use rental stress tests rather than your personal income.
Rental stress test
Expected rent typically needs to cover 125–145% of the mortgage payment at a stressed interest rate.
We'll help you understand what this means in practice and how much you can realistically borrow against a given property.
More landlords are choosing to hold properties through a limited company for potential tax advantages, but it's not the right choice for everyone.
Simpler and cheaper to set up. Mortgage interest relief is restricted, so higher-rate taxpayers often pay more tax on rental profits.
If you're buying your first investment property, there's a lot to consider beyond just the mortgage — from deposit requirements to landlord insurance and tenant responsibilities. We'll guide you through the lending landscape and connect you with the right products for new landlords.
"The tax landscape for landlords has shifted significantly — including restrictions on mortgage interest relief and changes to Capital Gains Tax."
We don't provide tax advice. We'll explain the broad implications and recommend you speak to a qualified tax adviser about your specific situation.
Speak to one of our expert advisers today. No obligation, no jargon — just honest, expert advice.
Your home may be repossessed if you do not keep up repayments on your mortgage.