Guides for Personal Name Buy-to-Let

process

A practical guide to securing a buy-to-let mortgage as a first-time property investor, including how lenders assess applications and how to prepare your finances and documents.

affordability

Learn what buy-to-let mortgage stress tests are, how lenders assess affordability using rental income and interest coverage, and practical ways landlords can prepare their application.

age

Learn how mortgage age limits work in the UK, what lenders mean by “end of term” caps, and the options available for older borrowers—plus what’s different with buy-to-let.

process

A practical guide for first-time buyers purchasing their first property as a buy-to-let, including how lenders assess rental income, deposits and property suitability.

impaired-credit

A specialist guide to buy-to-let mortgages when you have a CCJ, including how lenders assess the CCJ (status, number, amount, wider credit history), what can strengthen an application, joint applications, HMO and holiday let considerations, and what to expect when remortgaging.

affordability

A practical guide to proof of income for buy-to-let mortgage applications, including when lenders require personal income evidence, what documents professional landlords provide, and how salary and other earnings types are treated.

affordability

A practical guide to how buy-to-let affordability is assessed, what can make borrowing harder, and where opportunities may exist for different landlord circumstances.

portfolio-landlords

A complete, practical guide to buy-to-let portfolio mortgages for landlords with four or more mortgaged rental properties—covering how lenders assess portfolios (ICR, stress testing and costs), portfolio finance versus separate mortgages, ownership structures, tax considerations (SDLT and Section 24), growth and remortgaging strategy, and day-to-day portfolio management.

mortgage-types

Learn what an unregulated mortgage is, when it may apply to property investment and commercial finance, and the key risks and characteristics to consider.

process

A landlord-focused guide to how buy-to-let mortgages are assessed in 2026, including interest coverage stress testing, deposits and LTV, interest-only planning, property compliance, remortgaging, let-to-buy and bridging routes, common pitfalls, and how different property types and structures can affect underwriting.

stamp-duty

A news-style overview of SDLT refunds connected to the 3% additional rate, including replacement-home (36-month) rules, extensions for exceptional circumstances, shared ownership retrospective relief, and a key case-law point for uninhabitable properties.

criteria

Understand the main buy-to-let mortgage eligibility criteria lenders consider, including rental yield, income and age requirements, deposit expectations, affordability tests such as ICR, and how property type and tenancy can affect approval.

ltv

A practical guide to buy-to-let mortgage deposits: typical deposit levels, minimums lenders may consider, where deposits can come from, and how deposit size can influence the mortgage you’re offered.

mortgage-terms

A clear guide to maximum mortgage terms in the UK, including how longer terms work, how age can affect your options, extending an existing mortgage, and what buy-to-let lenders typically allow.

impaired-credit

A practical guide to adverse credit buy-to-let mortgages, including how lenders assess defaults, CCJs, arrears, low scores and thin credit history, plus steps to strengthen a landlord's application or remortgage.