18 guides
Guides
Straight answers to the questions we get asked most, with worked numbers and current UK criteria. Written by our team, not generated filler.
Can I get a buy to let mortgage through a limited company?
SPV requirements, deposits, personal guarantees and how lenders price limited company buy to let.
Read the guide Buy to letLimited company or personal name for buy to let: how do lenders assess each?
The 125% versus 145% stress test, pricing differences and what the same rent borrows on each route.
Read the guide Buy to letHow much deposit do I need for a buy to let mortgage?
Why 25 per cent is the norm, when rent pushes it higher, and the costs on top.
Read the guide Buy to letHow do lenders stress test buy to let affordability?
The ICR calculation in full: stress rates, 125 vs 145 per cent, and which cap actually binds.
Read the guide Bridging and developmentBridging loan or mortgage for an auction purchase?
The 28 day completion clock, what each route costs, and a worked £180,000 example.
Read the guide Bridging and developmentHow much does a bridging loan actually cost?
Interest, fees, valuation and legals added up: a £200,000 bridge over 12 months costs about £26,900.
Read the guide Bridging and developmentHow do you exit a bridging loan: refinance or sale?
Sale or remortgage: how lenders test each exit, and a £150,000 bridge cleared at 75% LTV.
Read the guide Income and processCan I get a mortgage with one year of accounts?
Which lenders accept one year of trading, the evidence they ask for and what one strong year supports.
Read the guide Income and processHow do lenders assess limited company director income?
Salary plus dividends versus salary plus net profit, and why the definition can be worth £180,000.
Read the guide Buy to letHow does remortgaging a buy to let at the end of a fixed rate work?
Product transfer or full remortgage, and the six month timeline that keeps both options open.
Read the guide Buy to letHow do I release equity from one buy to let to buy another?
The 75% LTV maths, the stress test that really sets the cap, and a full worked example.
Read the guide Buy to letHow do HMO mortgages differ from standard buy to let?
Fewer lenders, higher rates, licensing checks and two valuation bases. What actually changes and why.
Read the guide Bridging and developmentCan I get a mortgage on a flat above a shop or commercial premises?
Why the business downstairs sets the rate, and what a takeaway underneath costs in pounds.
Read the guide Buy to letWhat do lenders require from a first time landlord?
Minimum income, deposit, rental cover and the property types first timers cannot buy.
Read the guide Buy to letWhat changes when you own four or more mortgaged buy to lets?
The four property threshold: what lenders ask for and the aggregate tests the whole portfolio must pass.
Read the guide Bridging and developmentDevelopment finance or bridging: which fits which project?
Where lenders draw the line between refurb and development, with a worked £355,000 facility.
Read the guide Income and processWhat does a commercial finance broker do and when is one worth using?
What brokers actually do, how they are paid, and the cases where one changes the outcome.
Read the guide Income and processHow long does a buy to let mortgage application take?
A week by week map of a typical case, and the five delays that add weeks and real money.
Read the guideTalk it through with us
Every case is different. Call us, message us on WhatsApp, or send us the basics and one of our team will come back to you about the question you are working through, usually the same working day.