Buy-to-let
Buy-to-let
Portfolio and single-property landlords, personal name or limited company. Rental cover is calculated before we approach any lender.
TYPICAL RATE FROM
4.94%
MAXIMUM LTV
75%
MINIMUM DEPOSIT
25%
LENDERS WE CAN USE
43
Who this suits
First-time landlords and portfolio investors. The decision that drives everything else is personal name versus limited company, and it is a tax question as much as a lending one, so we work alongside your accountant rather than guessing.
What we do differently
Buy-to-let is assessed on rental cover, not your income. A lender typically wants the rent to cover 125% to 145% of the mortgage interest at a notional rate. We calculate that first, because a property that fails cover will not lend regardless of how good the yield looks.
Size the case at this rate
The rate below is pre-filled from this product. Change anything else and watch what happens to the stress-tested payment.
Based on 4.5x income after commitments, stress tested 3 points above the pay rate. Lender criteria vary. An estimate, not a mortgage offer.