Case Study: BTL Remortgage from Bridging

Summary We recently helped our customer arrange a buy-to-let remortgage in Dorset, refinancing a bridging loan that had been used in connection with new build properties. The case required more detailed lender research because there were two properties held under one title. We therefore needed a lender that was comfortable with the property arrangement and… Read more
Bridging Loan for HMO Conversion

How a Bridging Loan Works To Convert a Property to an HMO If you are planning to convert a property into a House in Multiple Occupation, finance is usually one of the first issues you face. Many landlords quickly discover that standard buy to let mortgages are not suitable when a property needs significant work… Read more
Buy to Let Mortgage Lowest Deposit

Buy to Let Mortgages from 15% Deposit If you’re thinking about becoming a landlord or growing your property portfolio, the size of the deposit needed for a buy to let mortgage is likely high on your list of concerns. While many lenders require a substantial deposit, there are still opportunities to access buy to let… Read more
HMO Mortgages for First-Time Landlords

Can First-Time Landlords Secure an HMO Mortgage? Entering the property investment market as a first-time landlord can be both exciting and daunting. House in Multiple Occupation (HMO) properties, where multiple tenants share communal areas, can offer a lucrative opportunity but come with unique challenges. As a first-time landlord, you might wonder if it’s possible to… Read more
When Will Your Mortgage Be Pre-Approved?

Can you get a mortgage pre-approval before finding a property? Yes — many buyers secure a mortgage Agreement in Principle (AIP) before they start viewing properties. This helps you understand how much you may be able to borrow and can strengthen your position with estate agents and sellers when making an offer. Not sure how… Read more
How Long Does Mortgage Application Approval Take?

How Long Does A Mortgage Application Take To Be Approved? A mortgage application can sometimes be approved within a couple of weeks, but many applications take around two to four weeks from full submission to formal mortgage offer. More complex cases can take longer, especially where the lender needs additional documents, the property valuation raises… Read more
Buy to Let Mortgage Based on Rental Income

Can you get a buy-to-let mortgage based on rental income? Yes — most buy-to-let mortgages are primarily based on the rental income a property generates rather than your personal salary. This is often referred to as a rental income-based buy-to-let mortgage. Lenders apply strict calculations to ensure the rent comfortably covers the mortgage, which means… Read more
Finance for Sui Generis Property

How to Get a Mortgage for Sui Generis Properties If you own or are buying a property that sits outside the usual planning use classes, hopefully this page will be useful to you. What sui generis means in practice Sui generis is a planning term used when a property does not fall under the usual… Read more
Buy to Let Mortgage Deposits

Buy to Let Mortgage Deposits: Everything You Need to Know Before Investing in Property Investing in property can be a lucrative venture, and buy-to-let mortgages are a popular choice for those looking to enter the rental market when they can not buy with cash or prefer not to use all of their own funds. Understanding… Read more
Buy To Let Mortgage With No Minimum Income

Can you get a buy-to-let mortgage with no minimum income? Yes — but lender criteria can vary significantly. While many lenders require a minimum income (often around £20,000–£25,000), some will assess applications based primarily on rental income and overall financial position. This means it is possible to secure a buy-to-let mortgage without a traditional income,… Read more
Why are BTL Fees so high?

Why Are Buy-To-Let Mortgage Fees So High? Buy-to-let mortgage fees can seem high because many lenders use arrangement fees to balance the interest rate, rental stress test and overall profitability of the product. In some cases, a buy-to-let mortgage with a high product fee may have a lower interest rate. This can help reduce the… Read more
What is the Buy to Let Stress Test and Will I Pass It?

Understanding the Buy to Let Stress Test The buy-to-let stress test is how lenders assess whether rental income is high enough to support a mortgage. Understanding how this works before applying can help you avoid declined applications, improve borrowing potential, and choose the right lender from the start. Different lenders use different stress calculations, which… Read more

Category: HMO / Multi-Unit Mortgages