demo3.wealthyadvisersclub.co.uk
Landlord finance that stacks up
Whether it is your first rental or an expanding portfolio, buy-to-let lending runs on rental cover, not just your income. We know which lenders are flexible and how to structure it so the numbers work.
Numbers that work, lenders that say yes
Yield checked upfront
We run the rental yield and stress test before you commit, so there are no nasty surprises at application.
The right structure
We talk through personal versus limited company, and point you to proper tax advice where you need it.
Portfolio-friendly
If you already hold several properties, we work with lenders who are comfortable with that.
Rent has to cover the lending
Buy-to-let lenders test whether the rent comfortably covers the mortgage, usually at a stressed rate. That test, and how you hold the property, drives what you can borrow. We help you get it right first time.
- Rental cover, done properlyWe work out the rent a lender needs to see and check your deal against it early.
- Personal or limited companyHow you hold the property has tax and lending consequences. We factor both in.
- First-timers and portfoliosFrom a single flat to a growing portfolio, including limited-company and HMO cases.
Questions we hear a lot
Typically 20% to 25% of the property value, sometimes more. A larger deposit and stronger rental cover both improve the rates available.
It depends on your tax position and plans. Many landlords do, for the tax treatment, but it is not right for everyone. We flag the trade-offs and suggest you confirm with a tax adviser.
Yes. Houses in multiple occupation and larger portfolios need specialist lenders, and those are cases we place regularly.
Handy next steps
Make the investment work
Send us the property and the expected rent, and we will tell you quickly whether it stacks up.