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You could borrow up to -

Between £1,250  and £2,250 

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Initial Monthly Payment


Initial Rate


Reversion Rate


True Cost

£ 522,160.20

Between £1,250  and £2,250 

Your property may be repossessed if you do not keep up repayments on your mortgage.

Mortgage FAQs

Here are some of the common questions we receive. If you can’t find the answer to your question here, please see our FAQ page or contact us on the phone or chat– we will be delighted to help!
What is meant by investing in Buy to Let?

Investment in buy to let is to achieve rental income and capital appreciation. Please click here for further details

What are the ways to invest in Buy to Lets?

Investments in Buy to let can be performed through a personal name or through a limited company formed specifically for the purchase of the property. Please click here for further details.

What is the most tax efficient way to invest in a Buy to Let?

Due to the tax advantages offered through SPV mortgages, this might be  more efficient comparatively to personal investments. However, this will be subjected to individual circumstances. Please click here for further details.

How much deposit do I need Buy to Let / SPV mortgage?

With most of the lenders you would require a minimum deposit of 25% of the property value. However, some specialist lenders might accept 20% deposit but the interest rate here could be high. For more details click here.

How much will it cost to set up a SPV?

This will cost you roughly £50 + VAT. It depends on the accountant you select to set up the limited company SPV. You can do this directly with HMRC. It is better to get advice from an experienced accountant as it involves property related transactions.

Do I need a solicitor for a SPV property?

Yes, you need a solicitor with adequate experience and reliability in handling BTL property purchases via limited company SPV. The speed of completion depends on the solicitor and it is important to find a suitable solicitor. For more details, click here.

Do I have to pay stamp duty with a Buy to Let / SPV property?

Yes, you must pay stamp duty for BTL property purchases via limited company SPV. It is usually categorized as additional property (second property). A 3% surcharge is applicable above the standard rates. Use our stamp duty calculator.

How much deposit do I need for a Buy to let?
You are expected to contribute 25% deposit towards the buy to let mortgage.
What if I’m a first time buyer getting a buy to let?
Most of the lenders will have restrictions on first time buyers doing a Buy to let if you have never owned another property before. However, there will be specialized lenders who would still consider this so please get in touch for more information regarding this.
What is the Buy to let mortgage criteria?
Mortgage lenders have separate mortgage criteria for Buy to lets. Lenders would mainly consider the rental income in assessing applications for BTL properties.
Can I change my mortgage to a buy to let?
A residential mortgage can be converted to a Buy to let mortgage if the property is being rented out. If the customer has lived in the property previously this will be recognized as Consumer Buy to Let.
Is a buy to let worth it?
A Buy to let property can be a good investment however, it depends on individual circumstances. We have advisors who are trained accountants and can also give tax advice to help you maximise your profits.
Is stamp duty payable on buy to lets?
Buy to let properties are subjected to a additional surcharge of 3%.

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Download our free SPV guide

Download our free SPV guide

Buy to let explained – Property investing for beginners UK

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