75.0% planned LTV
The deposit entered leaves at least 25% equity in the purchase price. Actual product availability still depends on lender, property, borrower and rental criteria.
My home · Buy-to-let
Test the property as an investment before choosing the finance.
Bring the purchase cash, realistic rent, voids, operating costs and mortgage assumptions into one view. Then decide whether the property deserves a specialist lender and tax review.
Already managing several rental mortgages?
Keep a schedule of balances, rates, deal end dates and early repayment charges. Compare keeping the loans, individual remortgages and combining a selected group before changing the structure.
Next best action
Turn the property idea into an evidence-ready case
You have marked 0 of 6 preparation areas ready. Start with rental evidence, property details and the full purchase-cash requirement.
What the figures show
Things worth checking next
6.60% gross yield vs 5.45% before-finance net yield
The second figure applies your void and operating-cost assumptions before mortgage payments. It is still pre-tax and is not a forecast of investment return.
£220/month pre-tax cash-flow buffer
This is after the void allowance, operating costs and illustrative mortgage payment entered, but before tax, capital expenditure and unexpected costs. Do not treat it as spendable profit.
160% headline rent-to-payment illustration
The expected gross rent is 160% of the illustrative interest-only payment. Lenders use their own rental stress and interest-cover rules, so this is not an underwriting result.
£11,500 purchase-tax illustration
This uses the additional-property setting because you said you already own property. Actual tax treatment can depend on ownership, main-residence replacement rules and jurisdiction.
Preparation · 0/6 ready
Make the property reviewable before applying
Marking an item ready does not upload a document. It simply keeps track of whether you have the information organised.
Rental evidence
Keep a realistic local rental appraisal or comparable evidence rather than relying on the rent needed to make the deal work.
Property details
Address, property type, tenure, condition and any lease/service-charge information should be clear before lender selection.
Deposit and purchase-cost funds
Keep deposit, tax, legal/valuation costs, refurbishment and an initial reserve separately visible.
Ongoing property-cost assumptions
Management, maintenance, insurance/service costs and a void allowance should be based on a real operating plan.
Ownership / tax questions
Personal versus company ownership needs appropriate tax/accounting input before it becomes an irreversible transaction decision.
Existing portfolio information
If you already own rentals, keep balances, rents and property details organised for any portfolio review.
Validate the rent
Use realistic local rental evidence rather than making the mortgage work by assuming the highest possible rent.
Model the property as a business
Voids, management, repairs, insurance and service costs belong in the plan before tax or capital-growth assumptions.
Choose ownership deliberately
Personal vs company ownership can affect tax, accounting, lender choice and future flexibility.
Get the lender-specific rental test
Once the property is real, use a specialist to check actual rental stress, portfolio and property criteria rather than relying on a generic ratio.
Ready for a specialist buy-to-let sense-check?
Keep the exploration private until you have a real property, rent evidence, operating-cost assumptions and deposit position worth testing against current lender criteria.