Buy-to-let borrowing
How much rent lenders need, and how much you could borrow against it.
You'll enter
- Expected monthly rent
- Property value
- Tax band
Mortgages
Buy-to-let mortgages for landlords
Buy-to-let purchases, remortgages and how rental income is assessed.
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Response time
Within 2 working hours
Chapter 01
The short answer on buy-to-let mortgages
Buy-to-let lenders mainly assess whether the expected rent covers the mortgage payment by a set margin, known as a rental stress test. Most require a deposit of at least 25%. Criteria differ for first-time landlords, limited company purchases and portfolio landlords, which is where advice helps.
Chapter 02
Your buy-to-let options
-
Personal name
Buying in your own name, with rental income taxed as personal income.
Discuss this option: Personal name -
Limited company
Buying through a company — different lenders, rates and tax treatment.
Discuss this option: Limited company -
Portfolio landlords
Four or more mortgaged properties, assessed across the portfolio.
Discuss this option: Portfolio landlords
Chapter 03
How buy-to-let advice works
Step 1
Check eligibility
We look at your deposit, income, experience and the expected rent.
Step 2
Stress test the rent
We model how lenders will assess the rental cover.
Step 3
Apply and value
We submit the application; the lender values the property and rent.
Step 4
Complete
Legal work is completed and the mortgage is drawn down.
Chapter 04
Buy-to-let costs and risks
What to budget for
- Deposit — usually 25% or more
- Stamp Duty including the additional-property surcharge
- Lender fees, legal fees and valuation
- Our fee, if any — explained in writing first
Chapter 05
Run the numbers
Buy-to-let rent needed
The monthly rent lenders are likely to need for the loan you want.
You'll enter
- Loan you want
- Tax band
Personal protection
Life, income and critical illness cover, reviewed with your mortgage.
Explore protectionChapter 06
What clients say
Reviews left for Zinga on Google and Trustpilot.
She was always quick to answer my questions, proactive in finding solutions, and dedicated to securing the right terms for my financial situation.
Many thanks to Arifa who quickly managed to get my mortgage application in principal then fully agreed. Great service thanks for your help.
Great experience easy to deal with
90+ lenders, including
Chapter 07
Questions about buy-to-let mortgages
Didn't find your answer? An adviser can help.
Request a callbackHow much deposit do I need?
Usually at least 25%, though some lenders need more depending on the property and rent.
Can I be a first-time landlord?
Yes, some lenders accept first-time landlords, often with extra criteria such as owning your own home.
Should I buy through a limited company?
It depends on your tax position. We explain the mortgage side and recommend speaking to an accountant.
Chapter 08
Talk to an adviser
Tell us a little about your plans and we'll call you back.
