Buy-to-let
Buy-to-let, done properly.
Buy-to-let is more than simply checking whether the rent covers the mortgage. Lenders assess a wide range of criteria, and the structure you choose can have long-term financial implications.
Your home may be repossessed if you do not keep up repayments on a mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
Many landlords assume buy-to-let lending is based solely on rental calculations. In reality, lenders look at:
- Rental stress tests
- Property type and location
- Personal income (for some lenders)
- Tax position
- Portfolio size
- Future plans
- Limited company structure (if applicable)
We assess all of these factors clearly and accurately so you understand your true borrowing position.
Should you buy through a limited company?
Buying through a limited company (SPV) has become increasingly popular — but it isn't right for everyone. We help you understand whether this route aligns with your goals.
Polly specialises in SPV purchases and remortgages. She understands how lenders assess:
- Company structure
- Director income
- Retained profit
- Multi-property portfolios
- Complex ownership arrangements
We explain the pros, cons, and long-term implications clearly — so you can choose the right structure with confidence.