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Guide to buy-to-let mortgage criteria 

If you’re considering or already own a buy-to-let property, this guide provides an overview of the criteria involved in securing a buy-to-let mortgage. What criteria are assessed with a buy-to-let mortgage? What are the affordability stress tests based on? Buy-to-let lenders conduct affordability assessments for buy-to-let mortgages, which vary based on several factors. Here are […]

Top tips for Buy to Let

95% loan to value mortgages

It’s no secret that investing in property can be extremely lucrative, but it’s not for the faint-hearted. With the ever-changing landscape of government legislation and tax changes, it’s important to be fully prepared and informed.  Staying up-to-date with the latest regulations and understanding the implications of tax changes is essential for navigating the property market […]

All about top-slicing buy-to-let mortgages

Buy to Let Mortgages – Top-slicing  Context   In 2017 the prudential regulation authority (PRA) set stricter rules & criteria for Buy to Let mortgages. Mortgage lenders have been required to use higher interest rate stress tests when assessing Buy to Let affordability. As a result, borrowing power for most landlords has significantly reduced on certain products.  […]

Can a first-time buyer get a buy-to-let mortgage?

Can a first-time buyer get a buy-to-let mortgage?

Are first-time buyers allowed to get a buy-to-mortgage? Yes, it’s certainly possible for first-time buyers to get a buy-to-let mortgage, however, because you do not currently own a property, mortgage providers will view you as higher risk, there are therefore, fewer options available, and the criteria and affordability calculations are different to mortgages for existing […]