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Training Session · Advanced · 15 min+70 Mortgage Fitness Unlocks: Buy to Let Ready

Buy to Let Mortgages

Buy to let lending has its own criteria — rental stress testing, different deposit expectations, and landlord responsibilities. This session covers what every prospective landlord should understand before applying.

Step 1 of 14 · Welcome

Welcome

Buy to Let is a specialist product with its own rules.

Whether you're considering your first rental or expanding a portfolio, BTL lending doesn't work like a residential mortgage. Rent, stress tests, deposits and structure all shape what you can borrow.

Learning objectives

By the end of this session, you'll understand:

What a Buy to Let mortgage is and how it differs from a residential mortgage.
Personal ownership vs limited company (SPV) structures.
How rental stress testing works — and how to run one yourself.
Typical deposit expectations and why they're higher.
How interest-only mortgages work in the BTL context.
Core landlord responsibilities.
EPC requirements and why they matter to lenders.
What lenders assess and where advice adds real value.

Educational only, not advice. Buy to Let lending is regulated differently to residential — a specialist adviser can review your specific circumstances.