Building your property portfolio
Whether it's your first investment property or you're expanding a portfolio, Debbie will find the right BTL mortgage and explain exactly what you're getting into.
How buy-to-let mortgages work
BTL mortgages are assessed differently to residential ones. Understanding the key differences makes the process much simpler.
Rental income assessment
Lenders typically require rental income to cover 125 to 145% of the monthly mortgage payment at a stressed interest rate.
Larger deposit
Most BTL lenders require at least 25% deposit, though some accept 20%. The bigger the deposit, the better the rate.
Interest only option
Many BTL investors choose interest-only mortgages to maximise monthly cash flow, planning to repay the capital through the sale of the property.
Your income still matters
Most lenders want to see a minimum personal income (usually £25,000+) regardless of expected rental yield.
What to check before you buy
Buy-to-let FAQs
Can I buy-to-let with no existing mortgage?
Yes being a first-time buyer doesn't stop you getting a BTL mortgage, though some lenders prefer borrowers who already own their own home.
Should I buy in my personal name or through a limited company?
This is a tax question as much as a mortgage question. Limited company structures are popular with portfolio landlords but come with higher rates. Always speak to an accountant alongside your mortgage adviser.
Can I let a property I used to live in?
Usually yes this is called consent to let. You'll normally need to inform your existing lender and may need to switch to a BTL mortgage. We can help you through this.
What's the minimum rental income I need?
It varies by lender, but a common stress test is that rent covers 125% of the mortgage payment at a rate of 5.5%. Debbie will work out exactly what rental income you need for the property you're considering.
What our clients say
Real, verified reviews from Google and Facebook, from people Debbie has helped across the UK.
Ready to invest in property?
Debbie will help you find the right BTL mortgage and make sure the numbers stack up.
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