I'm looking at a 2-bed terraced house in Manchester for £200k. How much deposit will I realistically need for a BTL mortgage, accounting for typical lender criteria and not just the lowest headline rates?
Quick Answer
For a £200,000 buy-to-let property, expect a deposit of £50,000-£60,000 (25-30% of the purchase price) to meet typical lender LTV and rental stress test requirements, plus additional funds for stamp duty and fees.
About This Topic
Discover realistic BTL deposit needs for a £200k property. Expect £50k-£60k deposit (25-30% LTV) plus £10k SDLT from April 2025, considering lender stress tests at 5.5% rates.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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