Property Finance guides for UK landlords
Mortgages, yields, cash flow and financing a rental portfolio.
Buy-to-let stress testing and affordability
Lenders assess buy-to-let borrowing using an interest coverage ratio at a stressed rate, not the pay rate. Understanding the calculation tells you what you can actually borrow before you offer.
4 min read
Rent guarantee insurance: is it worth it?
Rent guarantee and legal expenses cover pays rent during arrears and funds possession proceedings, but only if the tenant was referenced to the insurer's standard and you follow the claim conditions exactly.
4 min read
Buy-to-let mortgage interest relief explained
Individual landlords can no longer deduct mortgage interest from rental income before tax; instead they receive a basic rate tax credit.
6 min read
Remortgaging a buy-to-let property: what to check
Remortgaging can release equity or secure a better rate, but lenders apply rental cover tests that differ from residential affordability checks.
5 min read
Service charges and ground rent for leasehold buy-to-lets
Leasehold flats carry ongoing service charge and ground rent costs that reduce net yield and can affect the mortgage and letting process.
5 min read
Managing and budgeting for void periods
Void periods erode annual yield more than almost any other single factor, so minimising them and planning for the inevitable gap both matter.
5 min read