Buy to Let

Buy to Let Services

If you are starting as a landlord or building a portfolio, we help you navigate the different criteria and lender expectations. You get advice that supports your strategy and keeps your investment on track.

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First Time Landlord

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A first-time landlord is a borrower who is purchasing or letting a property for the first time and has no previous experience of owning or renting out a buy-to-let property.

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Limited Company Buy to Let

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A Limited Company Buy-to-Let (Ltd Co BTL) is where a rental property is purchased and held within a UK limited company, rather than in an individual’s personal name. …

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House of Multiple Occupancy (HMO)

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An HMO (House in Multiple Occupation) is a residential property rented to three or more people who form more than one household and who share facilities such as a kitchen, bathroom, or WC.

HMOs are subject to additional regulation and licensing…

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Multi - Unit Freehold Block (MUFB)

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A MUFB (Multi-Unit Freehold Block) is a single freehold title that contains two or more self-contained residential units, all owned by the same owner.

Each unit:

  • Has its own kitchen, bathroom, and living facilities
  • Is let on separate tenancies …
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Holiday Let

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A holiday let is a residential property that is let on a short-term basis to paying guests for leisure or holiday use, rather than on an assured shorthold tenancy (AST).

Holiday lets are treated differently from standard buy-to-let properties due to…

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Portfolio

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A portfolio landlord owns four or more mortgaged rental properties and is subject to more detailed lender scrutiny, but still has access to specialist lending where affordability and strategy are sound.

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Expat Mortgage

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An expat mortgage is for people who live abroad but want to buy or keep a property in the UK.

You can usually get one if you want to: Buy a home for yourself in the future, Buy a second home…

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Please Note: The Financial Conduct Authority does not regulate some aspects of buy to let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

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