I'm a first-time buy-to-let investor aiming to purchase in 2025/2026; what are the most crucial financing criteria, deposit requirements, and stress test calculations I should prepare for with current mortgage rates, especially for a limited company structure?
Quick Answer
As a first-time buy-to-let investor, focus on increased deposit requirements (25-30%+), stringent stress tests (125% cover at 5.5-6.5%), and the complexities of limited company lending with the Bank of England base rate at 4.75%.
About This Topic
First-time buy-to-let investors in 2025/2026 face strict financing criteria including 25-30% deposits, 125% rental stress tests at 5.5-6.5% interest, and complexities with limited company mortgages. Plan for the 4.75% base rate and 5% SDLT surcharge.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
Expert Guidance from Steven Potter
Steven Potter is a UK property investment coach with a £1.5M portfolio and over 5 years of hands-on experience. He has helped over 1,000 students achieve their property investment goals through practical, ethical strategies.
Ready to Take Action?
Get personalised property investment coaching with Steven Potter's Property Freedom Framework.
Learn about the Property Freedom Framework