As a landlord, you need to think about contingency when you’re not receiving rent, fulfilling your responsibilities and making sure you comply with regulations.
There’s more than one type of buy-to-let arrangement and you need to be sure you’re undertaking the most appropriate one for you. Are you renting a whole property to a couple or family, or is your house rented to individual tenants – a house share? Do you own it personally or through a limited company? Recent tax changes for landlords make that last question even more important.
Different lenders have different requirements and different ‘stress rates’ for calculating how much you can borrow. Knowing the market is essential and guiding you to the best deal is what we’re here to do.
The Financial Conduct Authority does not regulate some aspects of buy-to-let mortgages.