Buy-to-let mortgage in London
Buy-to-let lending is assessed on what the property earns, not mainly on what you earn. That single difference is why it has its own brokers. London's landlords and accidental landlords pay less when they let local partners compete on the same brief.
London market snapshot
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9.0m
Greater London population
London pro tip
London prices make high loan-to-income cases and gifted deposits routine — say so up front and ask a broker which lenders are comfortable with them.
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Mortgage Brokers across London
Our approved mortgage brokers professionals cover every major London postcode area. What comes up most in London:
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Before you ask for quotes
What to know about buy-to-let mortgage
Rent has to cover the mortgage with room to spare
Lenders stress-test the rent against the payment, commonly at 125–145% and at a rate well above the one you are offered. This is the usual reason an application fails.
Deposits start higher
25% is the common minimum and the better rates tend to sit at 40%. Many lenders also want personal income above a floor, often around £25,000.
Limited company lending is now mainstream
Tax changes to mortgage interest relief pushed a large share of new lending into limited companies. Whether that suits you is a question for an accountant as much as a broker.
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