About

Buy-to-Let Ledger is an independent guide to buy-to-let mortgages and landlord finance in the UK: how lenders assess a loan, what tax landlords pay and which rules apply once a property is let.

We are not a broker or a lender

We do not arrange, recommend or sell mortgages, insurance or any other financial product, and we take no enquiries or applications. We are not authorised or regulated by the Financial Conduct Authority (FCA) and we do not give financial, tax or legal advice.

About this web address

This address was previously used by an unrelated business, and later by other publishers. We have no connection with any of them, cannot answer questions about past enquiries or products, and hold no records from that time.

How we write our guides

Every figure is checked against a named source listed at the end of each article, starting with official ones: GOV.UK and HMRC, the Bank of England and its Prudential Regulation Authority, the FCA, MoneyHelper and UK Finance. Tax rates and thresholds are dated, because they change; where rules differ in Scotland, Wales or Northern Ireland, we say so.

Important

Our content is general information only, not financial advice. Your circumstances matter: before you borrow, remortgage or restructure, speak to an FCA-authorised mortgage adviser and, for tax, a qualified accountant or tax adviser. Your property may be repossessed if you do not keep up repayments on a mortgage secured on it.

Sponsored content

We occasionally publish partner content. It is always clearly labelled, stays on topic and does not change our editorial guides.