Investment property,Properly financed.
From a first rental flat to an established portfolio, the way borrowing is structured has a lasting effect on returns. We arrange buy-to-let finance in personal names and through limited companies, for single lets, houses in multiple occupation and multi-unit blocks.
How we help
We look at rental cover, structure and future plans together and work with your accountant where tax matters.
Lenders assess personal and limited company borrowing differently. We compare both; your accountant advises on tax.
For those with four or more mortgaged properties, we prepare the portfolio information that lenders require.
HMOs, multi-unit freehold blocks, holiday lets and flats above commercial premises are placed with lenders that understand them.
Bridging loans for auction purchases, refurbishment or broken chains, with a clear plan for repayment.
Typical scenarios
Illustrative examples of the situations we are asked to help with. They are not accounts of individual clients.
A homeowner buying a first investment flat with a 25% deposit.
We check the expected rent against lender stress tests and compare options in personal and company names.A landlord with several properties considering a limited company for future purchases.
We arrange finance for the new company alongside advice from the client's accountant.An investor who must complete within 28 days of the hammer falling.
We arrange short-term finance for the purchase and plan the longer-term mortgage that will replace it.Frequently
asked questions
How much deposit do I need?
Most lenders ask for at least 25% of the property's value and some specialist property types require more.
How is rental income assessed?
Lenders require the rent to cover the mortgage interest by a set margin at a notional rate. The margin depends on the lender, your tax position and whether you borrow personally or through a company. Our calculator illustrates this.
Should I buy personally or through a limited company?
Each has different mortgage rates, costs and tax treatment. We set out the lending position; you should take tax advice from an accountant before deciding.
Can a first-time buyer take a buy-to-let mortgage?
Some lenders will consider it, though the choice is narrower and the criteria stricter.
Are buy-to-let mortgages regulated?
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. We will tell you where this applies.
Speak with us today
Tell us about the property or portfolio and your plans for it. The first conversation is without obligation.
Your property may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. Lending is subject to status, lender criteria and individual circumstances.