Consultation
Buy-to-let mortgage guidance
Stress-tested rental income, portfolio landlord criteria, and lender appetite for Scottish and UK rental purchases.
Who it is for
Landlords adding a first rental or expanding an existing portfolio
What you walk away with
Clarity on deposit, interest cover ratios, and which lenders are open to your property type
How we meet
Office or video appointment
Included
- Rental stress-test using current lender criteria
- Personal vs limited company ownership discussion at high level
- Notes on voids, maintenance buffers, and mortgage payment holidays risk
Not included
- Property finding or letting agency services
- Detailed tax structuring — we recommend your accountant for that
How the appointment runs
-
1
Share expected rent and purchase price
-
2
We test affordability against several lenders
-
3
You receive a written summary for your solicitor and accountant
Preparation
Gather expected rent, purchase price, and existing borrowing details.
Constraints
Lending criteria change frequently; recommendations are dated to your appointment.