Things to think about when buying to let

Your mortgage offer will be dependent on how much rental income you expect to get from the property, so be realistic in working out how much money the property will be generating whilst being rented out.

You should also make sure that you can afford the repayments yourself, should the property become unoccupied.

If you intend to let the property out to multiple occupants who will have separate contracts (i.e. a student house), then it will be classified as a HMO property (House of Multiple Occupancy). You may need a licence for this and will have to adhere to much stricter regulations.


As with any other mortgage, you bigger the deposit you save, the more doors will be opened for the best mortgage deals.

What Next?

If you're a first time buyer, then government-backed schemes can be very helpful to get a better deal on your mortgage. Help to Buy Basics The Help to Buy scheme…

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