🏘️ Buy-to-Let Mortgages in Guildford

Whether you’re purchasing your first rental or adding to a Surrey portfolio, we help landlords across Guildford, Godalming, Burpham, Merrow and Shalford compare buy-to-let options and get application-ready. When a regulated recommendation is needed, we’ll connect you with an FCA-regulated adviser who understands landlord lending.

🤝 How We Help Landlords

• 💰 Clarify deposit, fees and likely rental stress tests
• 🏦 Compare personal name vs. SPV (limited company) structures
• 📊 Discuss fixes vs. trackers and product fees vs. rates
• 📑 Prepare documents and anticipated ICR/DSR calculations

📋 What Lenders Typically Look For

• 💵 Deposit: Often 25% (higher for flats/new builds/specialist cases)
• 📉 Rental cover: Stress tests commonly 125–145% at a notional rate
• 📈 Experience: First-time landlords possible with the right profile
• 👤 Income: Some lenders ask for a minimum personal income

🏢 Ownership Options

Personal name: Simpler admin, broad lender choice. SPV company: Common for portfolio growth and tax planning; lender lists and criteria differ. We’ll outline the trade-offs so you can choose the right route for your plans.

📍 Local Notes

Guildford’s market ranges from town-centre flats to family homes in Burpham and Merrow. Valuers will scrutinise realistic rents, EPCs and service charges (for leaseholds). Presenting a tidy case — AST assumptions, comps and costs — helps underwriting and valuation move smoothly.

❓ Buy-to-Let FAQs

💵 How much deposit do I need?

Budget for 25% as a baseline; some scenarios need 30–40% depending on property type and rental cover.

🏦 Can I buy as a limited company?

Yes — SPV BTL is common. Criteria, rates and fees differ from personal name lending.

📈 Do I need landlord experience?

Not always. Some lenders accept first-time landlords with strong income/credit.

📊 How is affordability assessed?

Mainly via rental stress tests (ICR). Some lenders allow “top-slicing” using personal income.

➡️ Next Steps

Tell us about the property and target rent, and we’ll outline lender routes and connect you with an FCA-regulated adviser for tailored next steps.