Buy-to-let mortgage criteria: what lenders check
Buy-to-let lenders assess more than the rent. Stress tests, deposit, property type, credit profile and your wider finances all shape what may be possible.
HMO buy-to-let mortgages
HMO mortgages can finance properties with room-by-room rental income, but lender criteria, licensing, planning rules, management costs and property setup all need checking first.
What you need to know about let-to-buy mortgages
A let-to-buy mortgage can help you rent out your current home and buy another, but rent, equity, deposit, affordability and lender criteria all need checking.
Buy-to-let remortgage: compare rates and options
Review your current deal, compare rates or explore releasing equity, with your rent, loan-to-value and wider costs checked before you switch.
Buy-to-let through a limited company
If you want to grow a rental portfolio or keep property investment within a company, a limited company buy-to-let may be worth considering. Limited company borrowing works differently from personal buy-to-let, so check the company setup, expected rent and lender criteria before you buy. Before choosing how to own the property, compare the tax and […]
How to remortgage: review, compare and switch your deal
Remortgaging can help you review your rate, release equity or change your mortgage, but timing, fees, affordability and lender criteria all shape the right route.
How long does it take to remortgage?
Remortgaging can take around 4 to 8 weeks, but the best time to start is usually much earlier. See what to check before your current deal ends.
Remortgage to a new lender
Switching mortgage provider can open up wider options, but rates, fees, affordability checks, timing and total cost all need comparing before you move.
Remortgage to change your term
Remortgaging to change your term can help adjust your monthly payments or repayment timeline, but it may also affect total interest and long-term cost.
Remortgage to release equity
Remortgaging to release equity can let you borrow more against your home, but lenders will check affordability, property value, loan-to-value and purpose.