Buy-to-let
Landlord lending that stacks up
From a first rental property to a limited-company portfolio, we model the rental cover before you commit.
What we assess
- Interest coverage ratio stress tests (typically 125%–145% at a notional rate)
- Personal name versus SPV limited company structures
- The 5% additional-property stamp duty surcharge
- Portfolio landlord criteria and background portfolio stress testing
- HMO, multi-unit freehold block and holiday-let options
Some buy-to-let mortgages are not regulated by the Financial Conduct Authority. We do not provide tax advice; please speak to a qualified accountant about the tax treatment of rental income and ownership structures.