First rental, growing portfolio, or moving properties into a limited company. Fee-free advice from people who know which lenders like which landlords.
What landlords come to us for
Buy to let lending is assessed differently: rental cover, stress rates, portfolio size. We explain each one before it matters.
Quick numbers
Does the rent cover it?
Most lenders want rent to cover the interest at a stressed rate by 125% to 145%. Move the sliders for a rough sense of where a property sits. The real assessment depends on the lender and your tax position.
Gross yield
5.3%
Rental cover at 5.5%
128%
Indication only, not advice. Stress rates and cover ratios vary by lender and tax band.
Worth knowing
Personal name or limited company?
Since mortgage interest relief changed, many higher-rate taxpayers hold new purchases through a company. Rates are a little higher and the paperwork is heavier, but the tax position can be very different.
We can arrange either. We'll also tell you when to talk to an accountant first, because that decision is theirs to advise on, not ours.
Read the guide →Some Buy to Lets are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on your mortgage. Tax treatment depends on individual circumstances and may change.
Got a property in mind?
Send us the listing and the expected rent. We'll tell you honestly whether the numbers work.