Do I need landlord insurance?
We would strongly recommend a landlord’s home insurance. The landlord insurance not only covers the walls, roof, permanent fixtures and fittings but also can cover
What is HMO?
An HMO, or Houses in Multiple Occupation is a property rented to at least 3 tenants that share common areas, like kitchen and bathroom. A
What is property SPV?
An SPV, or a Special Purpose Vehicle, is a way of investing in property through a limited company. The company owns the properties and pays
Can I purchase a property through a limited company?
Yes, you can purchase an investment property through a limited company, which is called a Special Purpose Vehicle. This limited company needs to be registered
What is a rental cover ratio?
The rental cover ratio shows how much the rental income covers the mortgage payments. A rental cover ratio of 1.5 or 150% would cover the
What is the minimum deposit for a Buy To Let property?
The minimum deposit for buy-to-let property is 20%. However, we would recommend a 25% deposit to achieve a better interest rate.
What is a consumer buy to let mortgage?
A consumer buy-to-let mortgage is when a person becomes an ‘accidental landlord’. This is due to circumstances, rather than intentional investment. This can happen in
What is buy to let mortgage?
An investment buy-to-let mortgage is when a person buys property as an investment, rather than a place to live. This type of mortgage is more
