- Comprehensive 22-page BTL mortgage guide for first-time landlords
- Mortgage types & repayment options
- Costs, fees, rates & tax considerations
- How to maximise borrowing & circumvent challenges
- Real-life examples
First-Time Landlord Buy-to-Let Mortgages
A Complete Guide
Get your free FTL Buy-to-Let Mortgage Guide below.
Introduction
Many people in the UK aspire to become buy-to-let landlords. For some, becoming a landlord takes precedence over owning their own homes. Of course, there are many ways in which a person can find themselves within the property investment market, but entering buy-to-let for first-time landlords may prove especially challenging.
Generally, most people will utilise a buy-to-let mortgage to become a landlord. A buy-to-let mortgage is a specific product designed to be used for a property that the owner will be renting out to someone else. The tenant(s) could be an individual, multiple renters, or a business entity.
However, there are differences between the products and terms available. A portfolio property investor buy-to-let mortgage may look very different to a first-time landlord buy-to-let mortgage. This guide will cover these differences, and break down everything one needs to know about first-time landlord buy-to-let mortgages.
What is a Buy-To-Let Mortgage?
First, let’s refresh on the basics. As mentioned, a buy-to-let mortgage is a specialist product that is solely used to purchase or invest in properties that will be let out to tenants. This is opposed to a residential mortgage, which allows the borrower to live in the property they’re buying. Borrowers, in most cases, will not be able to live in a property they’re buying with a buy-to-let mortgage.
With residential mortgages, lenders primarily calculate how much a person(s) can borrow based on their income. Whereas with buy-to-let mortgages, lenders will look at the rent that’s likely to be generated from the property. Generally, lenders will want the rental income to cover at least 125% of the mortgage repayments.
Most buy-to-let mortgages will be interest only. With these mortgages, the monthly payments will only cover the interest on the loan, and not the “capital”. As the mortgage term comes to an end, the borrower will need to pay back the actual loan in its entirety.
Repayment buy-to-let mortgages are also available. Here, borrowers will repay some of the capital each month in addition to the interest. The monthly repayments will be higher when compared to an interest only mortgage but by the end of the term, the loan will be paid off entirely, and they’ll own the property outright. Of course, the best mortgage choice will depend on the underlying borrower’s circumstances.
Generally, lenders will consider first-time landlords higher risk borrowers and as such, first-time landlord buy-to-let mortgage terms will typically be strict and/or more costly. While each individual lender will have its own risk appetite and criteria, most will likely deem first-time landlords risky due to their lack of experience, unproven ability to generate income, and unfamiliarity with the regulatory environment.
Can First-Time Landlords Get a Buy-to-Let Mortgage?
While it may be difficult for first-time landlords to get a buy-to-let mortgage, it is not impossible. Lenders will offer deals for first-time landlords (including “accidental” landlords) but the rules involved will likely be complicated[1]. As such, borrowers will want to fully get to grips with the details before they proceed.
Many lenders will require buy-to-let first-time landlords to own their own home as a minimum. This will show they have at least some familiarity with the property market[2]. Although, even here, there will be options for borrowers who have never owned a property in any capacity. Mortgage brokers can help borrowers find these options, but they may come with additional conditions.
For instance, these specialist mortgages may require borrowers to have an especially good credit record, provide evidence of employment income or earnings from self-employment that hit certain minimums, or be of a minimum age that is higher than expected.
Yet, despite the tougher conditions that may be out there for first-time landlord buy-to-let mortgages, plenty of borrowers are managing to meet the requirements. Several lenders have reported a rise in first-time landlord business in recent months, a result of improved financial outlooks[3].
Specifically, first-time landlords may find that specialist lenders are particularly willing to work with them in the current economic climate. In comparison to the mainstream lending market, bespoke lenders like Market Financial Solutions tend to be more open to working with first-time landlords, and other borrowers with unique or challenging circumstances.
We don’t follow a tick-box lending approach. Each of our loans is tailored to the borrower’s unique circumstances, and we offer specialised tools to enable first-time landlords to enter the buy-to-let market.
Challenges for First-Time Landlords
First-time landlords face challenges that experienced property investors may not. Often, these challenges can translate into lender hesitancy. The most obvious concern is the first-time landlord’s inexperience.
The first steps
It’s not easy to be a landlord. Those who have never rented out a property before may assume the process simply involves collecting rent every month, with no hiccups in between. First-time landlords may be caught out by the legal requirements they’re expected to follow, associated costs such as void periods, more stringent minimum requirements from lenders, and more.
Rental Market
There are also market related realities that may catch them off guard. Overly optimistic, perhaps even naïve first-time landlords may assume they’ll generate a very high rental income from their new asset. But they may find that they can only generate a fraction of what they expected, which may limit their borrowing and financial options. To reiterate – lenders will typically want rent to cover 125%–145% of the mortgage payment.
Ownership structures
On mortgages, first-time landlords may be unfamiliar with the borrowing process, which could hinder their progress. They may not consider ownership structures, and could simply invest as an individual. By not considering limited companies or other corporate setups, first-time landlords could miss out on potential tax savings.
Rates
Also, they may race towards the cheapest rate they find in the market. This is understandable. But experienced landlords know that arrangement fees, early repayment charges, flexibility, and whether a loan is fixed or tracker all need to be factored in too.
Lender availability
From the lender’s perspective, the main challenges they may face when dealing with first-time landlords is a lack of a track record, lower deposits (which can be prevalent with inexperienced investors), and their own risk appetite. During tough economic periods, some lenders may be hesitant to deliver finance for seasoned property investors, let alone brand-new entrants.
Fortunately, there are ways to overcome these kinds of challenges. To start with, first-time landlords should ensure they do their research, and get their financial affairs in order before they approach a lender. Also, first-time landlords can turn to qualified advisors and brokers to make sure they’re matched with the right product for their circumstances.
Types of Buy-to-Let Mortgages for First-Time Landlords
Generally, first-time landlord buy-to-let mortgages can be used for any and all types of assets and investments. There are however a few key options which may be particularly suited for newbie investors.
Standard Residential BTL
To start with, there are the “standard” residential buy-to-let mortgages for first-time landlords. These may be used for family houses, or single units within a block of flats. Utilising this kind of mortgage and asset type may be the least difficult route into the rental market for new entrants.
Flats and standard houses are likely the easiest to wrap one’s head around, and they come with the fewest complexities or restrictions. While individual lender preferences will always play their part, lenders are likely to prefer property types that are easily rentable, and maintainable.
According to the 2021 census[4], flats, maisonettes and apartments were most common in both private and social-rented dwellings in England. This means lenders may have a preference for these types of assets. Furthermore, the 2024 English Private Landlord Survey[5] found that landlords were most likely to report letting terraced properties (44% of landlords), followed by purpose-built flats (39%), semi-detached houses (31%), converted flats (21%), detached houses (12%) and bedsits, rooms or flatlets (5%).
HMOs
For those who feel they may be ready to tackle more challenging, and potentially more lucrative corners of the rental market, there are more niche first-time landlord buy-to-let mortgages available. Examples include HMO buy-to-let for first-time landlords, and holiday let mortgages.
An HMO, or house in multiple occupation, is a type of residential property that has at least three tenants living in it forming more than one household. These tenants will share bathrooms, kitchens, and other facilities[6]. These properties can generate higher yields than typical rental properties, making them attractive for investors[7].
However, HMOs come with added rules and regulations, making them more difficult to manage. As such, some lenders may be less willing to lend to first-time landlords investing in HMOs, or have tougher criteria in place.
Holiday Lets
Holiday lets may offer another route forward for first-time landlords. A holiday let is a property that is rented out to people for short periods of time, usually for leisure purposes or holidays. This can include Airbnb’s. In recent years, places such as Cornwall and Devon have emerged as holiday let hotspots. Holiday lets can present numerous pros and cons for first-time landlords.
Holiday lets can generate high returns and as they’re typically only utilised at certain points throughout the year, they can provide owners with flexibility in adjusting rental prices, making refurbishments, etc. However, holiday lets may have higher initial costs, increased maintenance obligations, and stringent local regulations that must be followed[8].
MUFBs
Then there are the even more complex asset types which may not be best suited for most first-time landlords. But of course, there are always exceptions to the rule.
Take multi-unit freehold blocks (MUFB) mortgages. These are loans used for investments in singular freehold buildings that contain multiple self-contained units – a tower block with multiple flats being a typical example. Generally, MUFB investments can be substantial in scale and scope, which may be intimidating for the average first-time landlord.
Commercial Assets
The same may be true for commercial buy-to-let assets. With commercial mortgages, borrowers will have to incorporate the complexities of the business world on top of the existing landlord concerns that are already there. Again, an added complication that may not suit new entrants.
These are generalisations, however. The right first-time landlord buy-to-let mortgage for a borrower will depend on their circumstances. There may be plenty who are more than comfortable in progressing with a commercial asset, MUFB, or holiday let.
Market Financial Solutions considers first-time landlords for a wide range of property types, including residential assets, holiday lets, HMOs and MUFBs. We also welcome first-time commercial landlords and owner-occupiers wanting to invest in mixed-used or commercial properties. Speak to our team about your property plans.
Mortgage Payment Options
We have covered the two main types of buy-to-let mortgage options for landlords: interest-only and capital repayment. There are reasons why a borrower may choose one type over the other. Interest only can allow for lower monthly repayments, while capital repayment allows for building up equity over time, for example.
But within these two types, there may be multiple repayment options or tools available to borrowers. Some buy-to-let for first-time landlords will allow borrowers to defer interest. With deferred interest, payments are postponed for a set period at the start of the term, which can help with cash flow concerns during a project’s early stages.
There is also rolled-up interest. Here, interest is accrued over time and added to the loan principal, which is paid at the end of the term. This increases the loan size, but is used by those who expect their income or wealth to grow in the future.
Finally, there is top-slicing. In simple terms, top-slicing is where a lender factors in a borrower’s surplus personal income to top up any shortfall in the rent needed to secure a loan. Where a property’s rental income doesn’t sufficiently cover the buy-to-let mortgage interest payments, top-slicing can provide a solution.
At Market Financial Solutions, we can offer all these options and more where appropriate for first-time landlords and experienced investors alike.
Buy-to-Let Mortgage Criteria for First-Time Landlords
Each and every lender will have their own criteria for their buy-to-let for first-time landlords, should they offer them at all. There are around 30 lenders that will consider buy-to-let mortgage applications from first-time buyers[9]. This is split across major high street banks, through to specialist lenders such as Market Financial Solutions.
Each of these lenders will have their own preferences, but there may be certain minimums that can broadly be found across the market. Buy-to-let mortgages generally require larger deposits than residential mortgages. First-time buyers should expect to provide a deposit of at least 20-25% for their investments.
Moreover, most lenders will require the rental income from the property to cover between 125% and 145% of the mortgage repayments. For first-time landlords specifically, the rental income requirement will likely edge towards the higher end, given the heightened risk.
Lenders may also place additional emphasis on a first-time landlord’s external income sources. While not all will stipulate higher minimum income requirements, some may. Where they are present, they’re typically around the £25,000[10] per year mark for standard buy-to-let mortgages.
There may also be higher minimum age requirements for first-time landlords, which could be as high as 25, while their credit history could also face added scrutiny. To circumvent some of these issues, first-time landlords could invest via a buy-to-let limited company, which can demonstrate to lenders that the underlying borrower has a strong business plan[11] that can improve their chances of approval.
This setup can provide first-time landlords with certain cost and operational advantages, but it can also add complexity. It is up to the individual to decide what’s right for their circumstances, and then make sure their situation works with a lender’s criteria.
“The Complete Guide
to First-Time Landlord BTL Mortgages”
Costs & Fees to Consider
Initial costs
There are a number of costs and fees that first-time landlord buy-to-let mortgage applicants need to be aware of, and factor into their plans. They may include the following[12]:
- Mortgage broker fee: up to £500
- Mortgage arrangement fee: £1,000-£2,000
- Mortgage booking fee: up to £300
- Valuation fee: up to £1,500
- Survey: £400-£1,500
- Telegraphic transfer fee: £25-£50
- Mortgage account fee: £100-£300
- Conveyancing and legal costs: up to £2,300
- Land Registry fees: £20-£830
- Higher lending charge (HLC): up to 8% of the mortgage value
What’s important to note is that the figures listed above are what are generally expected of standard mortgages. With first-time landlord buy-to-let mortgages, the costs and fees are likely to be a tad higher. According to Property Investments UK[13], the total upfront cost (including deposit and all fees) of investing in a typical £200,000 investment property generating £1,600 monthly rent (8% yield) sits between £62,850 and £67,500 in the current market.
Stamp duty
One cost that’s likely to catch many first-time landlords off-guard is stamp duty. Generally, first-time landlords will be liable to pay the standard residential stamp duty rates on their investments. These are[14]:
- Up to £125,000: Zero
- The next £125,000 (the portion from £125,001 to £250,000): 2%
- The next £675,000 (the portion from £250,001 to £925,000): 5%
- The next £575,000 (the portion from £925,001 to £1.5 million): 10%
- The remaining amount (the portion above £1.5 million): 12%
However, first-time landlords wouldn’t (in most cases) be liable for any buy-to-let or additional property surcharges.
Maintenance costs
Following a purchase, there are a number of ongoing costs that first-time landlords will need to keep on top of. This can include[15]:
- Property maintenance and repair costs
- Safety certifications
- Insurance costs
- Letting agent fees
- Void periods
- Licensing fees
There may be many other ongoing costs that could affect landlords. It can be intimidating for new entrants but according to recent analysis, the ongoing annual costs associated with a buy-to-let investment have decreased by 24.6% year-on-year, falling from £15,694 in 2024, to £11,829 today[16].
Accidental landlords may also be hit with unexpected costs as they enter the market for the first time. An accidental landlord is someone who owns a property and rents it out not as a planned investment, but due to unexpected circumstances. A common example is someone who’s inherited a property, struggles to sell it, and is therefore left with no option but to rent it out.
Where this happens, landlords will need to ask their existing lender for “consent to let” on the existing mortgage. This grants them the ability to rent the property out while the existing mortgage is shifted into a buy-to-let mortgage, but the rate may be raised during the process to account for the increased risks associated with letting[17].
Tax Considerations for First-Time Landlords
Another element of property investment that may catch first-time landlords off guard is tax. On top of stamp duty, first-time landlords will likely, or potentially end up paying:
- Income tax on their rental profits
- Capital gains tax on the profits made from selling a property
- National insurance if they plan to run a property business
- VAT if they’re investing in commercial properties
- Corporation tax on their rental properties if they’re investing through a limited company
Of course, the final tax bill due will depend on one’s circumstances. To fully get to grips with what may be owed to HMRC, landlords should seek guidance from qualified accounts or tax advisors.
Still, most first-time landlords will need to concern themselves with income tax, or corporation tax specifically from the get go. These two will affect investors pretty much immediately.
Those investing as an individual would face the following income tax rates[18]:
| Band | Taxable income | Tax rate |
| Personal allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | over £125,140 | 45% |
Those progressing via a limited company will instead face the following corporation tax rates[19]:
- Small profits rate (companies with profits under £50,000) – 19%
- Main rate (companies with profits over £250,000) – 25%
Buy-to-Let Mortgage Rates for First-Time Landlords
Generally, first-time landlord buy-to-let mortgage rates will be higher than those available to experienced investors. There are a few key reasons for this: first-time landlords are inexperienced and therefore perceived as higher risk, they have less equity or capital to support them, and/or they present lenders with higher admin costs due to the added due diligence they’ll require.
The rates that anyone will pay will largely depend on their individual circumstances. One first-time landlord may face a completely different rate than another even from the same lender.
Still, first-time landlords will typically face higher rates than those who already own buy-to-let property, even if their circumstances are favourable.
Moreover, Moneyfacts only listed 10 first-time landlord mortgages on its database at the time of writing. There were nearly 1,300 available options for non-first-time landlord mortgages.
Tips to Maximise Your Borrowing Potential
While it may prove challenging for some first-time landlords to attain a buy-to-let mortgage, there are a few things they can do to increase their chances. To boost one’s potential maximum loan size, borrowers can make efforts to improve their current financial position.
Paying off existing debts[20], cutting down on spending, and even keeping one’s paperwork in order[21] can show lenders that the borrower is taking their investment plan seriously. Making these kinds of changes can improve a borrower’s options, and potentially boost the loan sizes available to them.
At Market Financial Solutions specifically, we have a range of affordability tools at our disposal that can boost loan sizes. This includes offering rolled-up interest, deferred interest, top-slicing, and more. Our underwriters have a range of options at their disposal to try and lend more than most. Get in touch today to discuss your circumstances with them directly.
Useful Tool: Mortgage Calculator
To help first-time landlords get to grips with what they may be able to afford at Market Financial Solutions, we have an easy-to-use, interactive BTL mortgage calculator available on our website.
This free calculator allows users to see how much they could borrow, and what they’d need to repay. It will also break down if we’re able to provide them with the first-time landlord buy-to-let mortgage they require.
Our calculator requires just a few key details on the investment. Broadly, this includes information on the property, the estimated market value of the asset(s), details on rental income expected, the term of the mortgage, and the total amount of money the user would like to borrow.
The calculator contains a mixture of multiple-choice prompts, as well as data points that’ll need to be filled in by the user. As they enter the information, they’ll get a maximum gross loan figure. We’ll also show the LTV available.
The figures the calculator presents will be estimations on what the user may be able to borrow and repay. For exact figures, they’ll need to contact our team directly.
How to Apply for a Buy-to-Let Mortgage
While every lender will have its own unique process, any first-time landlord buy-to-let mortgage application will start the same way. Borrowers, or their brokers, will need to reach out to a lender and enquire about their offering. These enquiries will often take place online, but lenders will generally be contactable through many means.
Generally, following an initial enquiry, lenders will conduct a soft check on the borrower and issue a decision in principle (DIP). This indicates what they may be willing to lend to the borrower, based on the initial information they provided.
Beyond this, the borrower will typically make an offer on a property and if it’s accepted, the full mortgage process will begin. The lender involved will inform the borrower of what’s required but it will usually involve identification documents, proof of income, details of the property, a projected rental income, and more.
After this, the property will be valued, and the mortgage will be underwritten. A formal mortgage offer is then issued, which will trigger the conveyancing process. Finally, once everything is formally agreed, contracts are exchanged and funds are transferred.
This is broadly how we operate at Market Financial Solutions. Our first-time landlord buy-to-let mortgage applications follow a 5-step process. We receive an enquiry, and provide indicative terms within four hours.
After this, we issue a DIP, typically within 24 hours after obtaining the documents we need, and once it’s signed, we get the valuation sorted. Again, this can happen in less than 24 hours after fees have been cleared. Finally, the solicitors involved will complete the legal process, and the loan is drawn down.
Throughout this whole process, our brokers and borrowers will have a dedicated underwriter from day one and where everything lines up, we can have funding delivered in as little as a week from enquiry.
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Role of a Mortgage Broker
First-time landlords are likely to face limited options when it comes to buy-to-let mortgages. As such, they could benefit from a bit of guidance and support, which is where mortgage brokers come into play.
A mortgage broker is an individual or company that can arrange a mortgage between the borrower and a lender[22]. Brokers will work with borrowers to decide what kind of mortgage they need, and then find a deal that matches their criteria and circumstances.
There are many advantages to working with a mortgage broker. Mortgage brokers can simplify the application process on behalf of the borrower, utilise their expertise to find the best way forward, and work directly with lenders they have a close relationship with to deliver the best deals possible for the borrower.
But they will have fees for providing this service. Also, some brokers may not have access to the entirety of the mortgage market, and can only work with a select few lenders. This could end up limiting a borrower’s options.
Ultimately, it will be up to borrowers to decide whether working with a broker is right for their circumstances. At Market Financial Solutions, we can work with both brokers and direct borrowers.
Why Work with Market Financial Solutions?
At Market Financial Solutions, we have nearly 20 years’ worth of specialist lending experience behind us. This allows us to be able to support first-time landlords, and seasoned property investors in equal measure.
We know that first-time landlords will likely be daunted by everything that lies ahead of them. This is why we do everything we can to ease the pressures involved – by responding to all enquiries within four hours, and having a dedicated underwriter available from day one.
Our underwriters will do all the heavy lifting on behalf of our clients. What’s more, across our products, we have a range of tools at our disposal to support a broad range of property investors – which includes buy-to-let for first-time landlords. We keep every involved party informed throughout the process so everyone knows where they stand with their buy-to-let deals.
Case Studies
Purchasing a New Build
Landlords may face a steep learning curve on their investment journey as they venture in to the buy-to-let market for the first time. This could be especially true where they’re investing in new build properties, which can present additional uncertainties.
We had such a borrower turn to us for support, as they planned to start their BTL portfolio with some new builds. With so much newness to this deal, our underwriter got to work with making sure the investment held plenty of long-term potential.
The pressure was on too, as the borrowers needed to complete quickly. To make sure we could deliver funding as soon as possible, the underwriter focused on the investment’s prospects. Working with the valuer, the underwriter confirmed the property offered good security, with excellent transport links. As such, tenants had already been secured.
What’s more they had multiple exit strategies available to them. This allowed us to deliver the rapid finance available.
Purchasing an MUFB
New builds are not the only properties available to first-time landlords, of course. One of our underwriters had to address some of the challenges that came with a first-time landlord who was purchasing a multi-unit freehold property, which is a relatively unique choice for a new entrant.
Property types outside of the “typical” residential options can become complicated investments, even for seasoned pros. To make sure this deal sat on solid foundations, we explored the client’s wider property experience and knowledge.
We noted that while the borrower was a first-time landlord, they still had plenty of experience in the property world. This reassured us that they would be able to cope with any complications that could arise.
Also, we received copies of certain financial statements which showed they had resources at the ready, should their investment not pan out for whatever reason. Furthermore, the borrower had a solid refinance exit strategy organised, and with a high rental yield available, we were comfortable to lend to this first-time landlord.
Purchase with an SPV
First-time landlords, where appropriate, can utilise certain corporate set-ups to make their investment journey smoother, or cut costs. An SPV can be of use, but they can be tricky to assess when factored in with newbie investors.
A first-time landlord turned to us with plans to purchase a prime buy-to-let property via an SPV. While the client was new to being a UK landlord, we discovered they did have a proven portfolio abroad, and we were therefore able to take this previous experience into account when assessing their track record.
We also knew the broker well, which meant that we were able to communicate with them and the client in the way they preferred throughout. We were in regular contact ensuring they knew exactly where the process was, and how things were progressing at each stage.
Due to our speed and experience, we were able to complete the application and have the first-time landlord buy-to-let mortgage deployed with bridging-like speed.
Frequently Asked Questions
Those who are new to the world of buy-to-let investment are likely to have several questions and concerns as they progress. A few common questions pop up frequently, and so we thought we’d address some of them here:
What loan term is best for a first-time landlord?
The best term for any landlord will depend on their goals, circumstances, risk appetite, and more. However, generally, a 5-year fixed term loan may prove beneficial for first-time landlords specifically. This is because 5-year terms tend to have lower interest rates than 2-year loans, and allow borrowers more time to find their feet before they have to refinance. Some lenders may also stress-test affordability more leniently with 5-year terms over shorter loans[23].
Is a buy-to-let property a good choice for my first investment?
Every type of asset class will have its pros and cons. It’s up to investors, and their advisors, to decide what’s right for their circumstances. There are a few key features of rental property that may make them suitable as a first-time investment over others like shares or cryptocurrency. Being a tangible asset, buy-to-let properties can be easy to wrap one’s head around, and there is consistently strong demand for rental housing in the UK[24]. Over time, property values also typically increase, and management of a rental property can be handed over to a letting agent for those who are unsure of how to manage their investment.
Can I get a standard residential mortgage instead?
No. If the borrower plans to invest in a buy-to-let property, they cannot do so with a standard residential mortgage. Residential mortgages are used solely by owner-occupiers who plan to live in the property they’re purchasing. The only way in which a residential mortgage can be used for buy-to-let is through consent to let, which will eventually lead into switching to a buy-to-let mortgage entirely.
Conclusion
Even the most successful buy-to-let investor was once a first-time landlord. The buy-to-let market holds a lot of potential, but it can still be daunting for would-be new entrants to take that first step.
Hopefully though, this guide has demonstrated that there are ways forward for first-time landlords who are prepared, and have the right lender behind them. Evidently, Market Financial Solutions’ range of tools, products, and underwriting capabilities are there to offer stability and reassurance to inexperienced investors.
Where brokers or borrowers want to discuss the requirements for our first-time loans further, we can be contacted via numerous means. We can be called on +44 (0)20 7060 1234, or emailed at info@mfsuk.com. Also, we have a live chat on our website which is always manned by a member of our underwriting team, and not a chatbot.
Moreover, our BDMs are spread across England and Wales, which means we can support landlords regardless of whether they’re investing in London, Manchester, or Cardiff.
[1] https://www.moneyhelper.org.uk/en/blog/buy-or-rent-a-home/buy-to-let-mortgages-explained
[2] https://www.themortgagehut.co.uk/expert-articles/buy-to-let-mortgages/342/buy-to-let-first-time-landlords
[3] https://thenegotiator.co.uk/news/rental-market/lenders-report-big-rise-in-first-time-landlords/
[4] https://www.ons.gov.uk/peoplepopulationandcommunity/housing/articles/housinginenglandandwales/latest?utm_source=chatgpt.com#accommodation-type
[5] https://www.gov.uk/government/statistics/english-private-landlord-survey-2024-main-report/english-private-landlord-survey-2024-main-report?utm_source=chatgpt.com
[6] https://www.gov.uk/private-renting/houses-in-multiple-occupation
[7] https://www.landlordzone.co.uk/news/hmos-up-to-50-more-valuable-than-average-house-price
[8] https://www.brightonandhovenews.org/2025/06/26/councillors-back-tighter-rules-for-airbnbs/
[9] https://www.aaltomortgages.com/speciality/buy-to-let-mortgages-for-first-time-landlords-guide/?utm_source=chatgpt.com
[10] https://www.onlinemortgageadvisor.co.uk/buy-to-let-mortgages/proving-income-for-buy-to-let-mortgages/
[11] https://www.charcol.co.uk/guides/limited-company-buy-to-let-mortgage/#c84545
[12] https://www.comparethemarket.com/mortgages/content/fees-when-buying-and-selling-a-house/#:~:text=Mortgage%20arrangement%20fee:%20%C2%A31%2C000,on%20the%20type%20of%20survey
[13] https://www.propertyinvestmentsuk.co.uk/buy-to-let-costs/
[14] https://www.gov.uk/stamp-duty-land-tax/residential-property-rates
[15] https://www.hamptons.co.uk/guides/landlords/landlord-costs#/
[16] https://www.landlordtoday.co.uk/breaking-news/2025/07/landlords-better-off-in-2025-than-a-year-ago-claim/?utm_source=chatgpt.com
[17] https://www.totallandlordinsurance.co.uk/knowledge-centre/ultimate-landlord-guide-to-buy-to-let-mortgages
[18] https://www.gov.uk/income-tax-rates
[19] https://www.gov.uk/government/publications/rates-and-allowances-corporation-tax/rates-and-allowances-corporation-tax
[20] https://www.moneyhelper.org.uk/en/blog/buy-or-rent-a-home/how-to-get-a-bigger-mortgage-loan
[21] https://www.moneysavingexpert.com/mortgages/boost-mortgage-chances/
[22] https://www.experian.co.uk/consumer/mortgages/guides/mortgage-brokers.html
[23] https://cleverlending.co.uk/news/%F0%9F%92%BC-how-is-buy-to-let-lending-calculated-understanding-rental-stress-tests-icrt/?utm_source=chatgpt.com
[24] https://propertyindustryeye.com/rental-supply-dips-despite-soaring-demand/
Market Financial Solutions are a bridging loan and buy-to-let mortgage provider and are not legal, financial, investment or tax advisers. This document is for informational purposes only and does not, and should not be considered, to constitute legal, financial, investment or tax advice or be relied upon by any person to make a legal, financial, investment or tax decision. Therefore, Investors are encouraged to seek appropriate professional advice. The information in this content is correct at time of writing.
“The Complete Guide
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