Considering a buy-to-let in Camden? Lenders use rental stress tests to check that rent comfortably covers mortgage costs. We’ll help you structure the application to fit current criteria.
Start your landlord plan via our Contacts page and see our full Mortgages service.
What lenders look for
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Minimum rental coverage ratio (e.g., 125–145% at a stress rate).
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Property type (flat vs house, new build vs period).
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Landlord experience (first-time vs portfolio).
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Personal vs limited company ownership.
First-time vs portfolio landlords
First-timers focus on basics: achievable rent, location, and costs. Portfolio landlords need smart structuring and long-term financing strategies — we guide both.
Holiday-let or HMO instead?
If your strategy leans towards HMO – House in Multiple Occupation or holiday-let, lending rules differ. We can outline lender expectations and the paperwork you’ll need.
Meet your North London contact: Maira Oliveira.
