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 help you understand rental calculations, lender criteria and mortgage options for a purchase or remortgage, whether you are borrowing personally or through a limited company.
Discuss my buy-to-let plans Start with a phone or video conversation.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. Tax treatment depends on individual circumstances and may change; seek independent tax advice.
Your initial review
Questions to cover in your initial review.
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
Research, recommendation and application support.
Rahul reviews your circumstances, researches suitable mortgages from the lenders and products available through RG Financial Services, and explains his recommendation, its costs and relevant risks before you decide whether to proceed.
- How lenders assess expected rent against the mortgage
- Mortgage options for personal or limited-company ownership
- Purchases, remortgages and additional borrowing
- Requirements for landlords with several rental properties
- Landlord insurance and protection
Preparing for a review
Information that will help Rahul understand your circumstances.
You do not need to have every document ready before contacting Rahul. This list is a useful starting point.
- 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
Three stages from reviewing your needs to progressing your chosen option.
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
Answers to common 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?
Some lenders consider first-time landlords and some do not. Home ownership, income, deposit, property type and experience can all affect the available criteria.
Should I buy personally or through a limited company?
The mortgage products, underwriting and costs can differ. Rahul can explain the mortgage implications, but the tax and legal decision should be made with suitably qualified tax and legal advisers.
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.
Discuss my buy-to-let plans