Buy-to-let mortgage deposit and LTV: how much do you need?
Loan-to-value decides your deposit, your rate and whether the rent will pass the lender’s test. Here is how it works, with the numbers checked.
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Section · 2 guidesBuy-to-let mortgages
Deposits and loan-to-value, rental stress tests and remortgaging, explained without the sales pitch.
Buy-to-let stress test and ICR: how rental cover is worked out
The interest coverage ratio decides how much a lender will offer on a rental property. Here is the rule, the stress rate and a worked example.