The Buy-to-Let market has seen significant change in recent years, with shifting regulations, evolving lender criteria, and uncertainty around property investment. For landlords — whether starting out or managing a portfolio — navigating this landscape can be complex.
A Buy-to-Let mortgage is specifically for purchasing a property to rent to tenants. Typically, a deposit of at least 25% is required, though terms vary depending on the lender and the borrower’s circumstances. Affordability is usually assessed against expected rental income, with many products available on an interest-only basis.
At Gainsborough FS, we understand the challenges and opportunities facing landlords today. We are specialists in all types of Buy-to-Let, from straightforward single-property purchases to more complex cases, including:
– Limited company Buy-to-Let
– Houses in Multiple Occupation (HMOs)
– Portfolio landlord lending
– Remortgaging and refinancing strategies
Our experience and market knowledge mean we can guide you through the latest rules, lender criteria, and regulatory changes, ensuring you secure the most suitable deal for your investment strategy.
A Buy-to-Let mortgage will be secured against your property.
The Financial Conduct Authority does not regulate some forms of Buy-to-Let mortgages.