Your First Buy-to-Let: the guide
Buying a first investment property isn't the same as buying a home. The maths is different, the lender is different, and the rules of the game are different. The lender cares more about what the property will rent for than what you earn. The tax position can change the answer entirely. And what you legally have to do once you're a landlord sits on top of all of it. This guide gives you the lay of the land before we sit down.
What's inside
The terms that come up most, from yield to stress test. The ten steps of buying a property. What to line up as a first-time landlord. The four numbers that decide what's possible. How the rent test works, with a worked example. The costs nobody warns you about. Personal name or limited company, and why that's a conversation for your accountant. Becoming a landlord: the legal side, and what changed recently. Choosing the right property. Protecting the investment. And offer accepted to keys in hand.
Get the guide
The Financial Conduct Authority does not regulate some forms of buy to let mortgages.
What happens next
The guide opens straight away. I'll aim to message you on WhatsApp within one working day, and if you've given me the numbers, I'll come back with an honest first view on what they mean. Nothing to commit to.