Review the property and rent
Consider the deposit, expected rent, property type and whether the rent meets lender requirements.
Buy-to-let mortgage advice
Buy-to-let mortgage advice for new and experienced landlords.
Rahul will explain how buy-to-let lenders assess expected rent, deposit, property type and landlord experience, then research suitable purchase or remortgage options for personal or limited-company borrowing.
Discuss my buy-to-let plans Answer four short questions, then choose how to contact Rahul.Important information
Your property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of buy-to-let mortgage.
Rental estimates and affordability calculations do not guarantee that a mortgage application will be accepted.
Property values and rental income can fall as well as rise. There may be periods without a tenant, or when rent does not cover every cost, while mortgage payments remain your responsibility.
Buy-to-let should not be viewed as guaranteed income or capital growth.
Tax treatment depends on individual circumstances and may change; seek independent tax advice.
Your initial review
Buy-to-let questions to answer before applying.
01
Will the expected rent meet lender requirements for the amount I want to borrow?
02
How much deposit might I need, and what other costs should I allow for?
03
How do personal and limited-company applications differ?
04
Which property and landlord details will a lender assess?
What the advice covers
How Rahul supports a buy-to-let purchase or remortgage.
Rahul takes time to understand your circumstances, researches suitable mortgages from the lenders and products available through RG Financial Services, then explains why he considers his recommendation suitable, the costs involved and any relevant risks. If you proceed, he remains your contact while the application progresses.
- How lenders assess expected rent against the mortgage
- Mortgage options for personal or limited-company ownership
- Purchases, remortgages and additional borrowing
- Portfolio-landlord mortgage criteria
- Landlord insurance and protection
Preparing for a review
Property, rent and ownership details to prepare.
You do not need every document before contacting Rahul. This list is a useful starting point and he will confirm what is needed for your circumstances.
- The purchase price or estimated property value
- Expected monthly rent and available deposit
- Property type, tenancy plans and ownership structure
- Details of existing rental properties and mortgages
How the advice works
From reviewing the rent and property to a mortgage application.
Consider the structure
Review the mortgage implications of personal or limited-company borrowing and obtain separate tax advice.
Compare mortgages and apply
Review suitable options and progress the application with the required property and landlord evidence.
Frequently asked
Buy-to-let mortgage questions.
These answers are general. Advice and lender criteria depend on your individual circumstances.
How do lenders assess buy-to-let affordability?
Lenders commonly test the expected rent against a stressed mortgage payment. The calculation, required rental cover and treatment of personal income vary by lender and applicant.
Can a first-time landlord get a buy-to-let mortgage?
Yes, some lenders consider first-time landlords, although criteria vary. Home ownership, income, deposit, property type and landlord experience can all affect the available options.
Should I buy personally or through a limited company?
Mortgage pricing, lender criteria, underwriting and ongoing costs can differ between personal and limited-company ownership. Rahul can explain the mortgage differences, but obtain separate tax and legal advice before choosing an ownership structure.
Are buy-to-let mortgages regulated?
The Financial Conduct Authority does not regulate some forms of buy-to-let mortgage. Consumer buy-to-let arrangements may be subject to a different regulatory framework, depending on the circumstances.
Contact Rahul
Would you like to discuss a buy-to-let purchase or remortgage?
Share the property value, expected rent, available deposit or equity, and whether you plan to own it personally or through a company.
There may be a fee for mortgage advice. The precise amount will depend on your circumstances and will be agreed with you before proceeding. The estimated fee is £299, payable at application.
Discuss my buy-to-let plans