Rental income calculations and lender criteria vary more in the buy to let market than in residential — we find the lender that fits your numbers.
Buy to let affordability is typically based on the property's rental income rather than your personal income alone, and how that's calculated varies significantly between lenders. Some are also more flexible on background portfolio size, personal income top-up, or first-time landlord status.
Whether this is your first rental property or an addition to an existing portfolio, we source from the whole of market to find terms that fit.
Primarily on rental income against the mortgage payment (the 'rental cover ratio'), though this varies by lender and by your tax status.
Yes, though the lender pool is narrower than for existing landlords — some lenders require you to already own your own home.
Usually from 20-25% upwards, though this varies by lender and property type.
Tell us what you need and we'll come back to you directly — usually the same day.
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