Buy to let guides

Buy-to-let mortgages can seem complicated, and trying to navigate them on your own while managing daily responsibilities can feel daunting. That’s why we’ve put together these guides to provide expert, fee-free advice whenever you need it. So whether you’re buying your first rental property, remortgaging an existing one, or building your portfolio, find the information you need.

Buy To Let

Buy to Let for Airbnb

If you're thinking of letting out your house for Airbnb, you'll need a specialist mortgage. Learn all about what you need with our in depth guide.

Buy To Let

The basics of Buy to Let

Learn all about what a Buy o Let mortgage is and what to think about before becoming a landlord with our expert advice

Buy To Let
Fixed Rate
First Time Buyer
Moving Home
Remortgage

What is a fixed rate mortgage?

A fixed rate mortgage is where your repayments are set for a specific amount of time. read more to see if it's the right deal for you and apply online today.

First Time Buyer
Moving Home
Buy To Let

11 reasons you might not be able to get a mortgage for your home

If you’re looking to buy a home, then getting a mortgage in principle is your first step. However, when you’re looking at properties, there are some things that can make getting a mortgage very difficult. read on to see what you should avoid.

Buy To Let
First Time Buyer
Moving Home
Remortgage

What is APRC?

APRC stands for Annual Percentage Rate of Charge. APRC tells you how much your mortgage will cost you each year, assuming you kept it for its full term.

Buy To Let

What is a Buy to Let mortgage?

Use this mortgage guide to find out what a buy to let mortgage is, and how one could benefit you.

Buy To Let
First Time Buyer
Moving Home

What is an Energy Performance Certificate?

EPCs were introduced in 2007 and are valid for 10 years from the date of issue. You’re legally required to have one if you’re planning to sell your home or let out a property. Here, we explain exactly how they work, and how to go about getting one. What is an EPC rating and what does it mean? Properties are rated

Buy To Let
Stamp Duty
Tax

Buy to Let tax

Get all the essential information on buy to let tax in the UK, including advice on allowable expenses, capital gains and stamp duty.

Buy To Let

Should my Buy to Let property be owned personally or through a limited company?

Should you own your Buy to Let property personally or through a limited company? Read our guide for more information

Buy To Let
Moving Home

Buying a property through a limited company - how does the conveyancing process work?

Buying a property through a limited company can be a complex procedure and involves a lengthier conveyancing process. Read more in our guide

Buy To Let
First Time Buyer
Moving Home

Buying a property - how does the conveyancing process work?

Conveyancing is an essential part of buying a property, so it's really important to understand the process. You can read more in our guide.

Buy To Let
First Time Buyer
Moving Home
Remortgage

How long does it take to get a mortgage?

L&C explains how long a mortgage application takes, how long you can expect to wait for yours and what you can do to speed up the process.

Buy To Let
First Time Buyer
Moving Home
Remortgage

Japanese Knotweed: What is it and will it affect your mortgage?

Japanese knotweed, the invasive plant that often plagues our gardens, can be a major headache for anyone buying or selling a property, but there is help available if you know where to look.

Buy To Let

How do buy to let mortgages work?

Use this mortgage guide to find out how buy to let mortgages work and how we can help

Buy To Let
Fixed Rate
First Time Buyer
Moving Home
Remortgage

What is a tracker mortgage?

Is a tracker mortgage the right option for you? Find out everything you need to know about tracker mortgages here.

Buy To Let

Buy to let mortgage FAQs

Can first time buyers get a buy to let mortgage? How much deposit do I need for buy to let? Read our free guide or call us for fee free mortgage advice.

Buy To Let

Repayment or interest only buy to let mortgage?

What's best for landlords, a repayment or interest-only mortgage? Our guide looks at the pros and cons of both so you can see which option suits you.

Buy To Let
First Time Buyer
Moving Home
Remortgage

Mortgage Broker Fees

L&C is a fee free mortgage broker, meaning we’re paid by the lender and not by you. However, some brokers do charge. Our guide explains more.

Buy To Let
Fixed Rate
First Time Buyer
Product Types
Remortgage

What are the different types of mortgage?

Use this mortgage guide to find out about the different types of mortgages there are available.

Buy To Let
First Time Buyer
Moving Home

Mortgages for new build homes

Looking to get a new build mortgage? Here is a guide on everything you need to know so that you experience no issues along the way.

Buy To Let
Fixed Rate

Is a buy to let a good investment?

Use this mortgage guide to find out if buy to let mortgages are a good investment.

Buy To Let
First Time Buyer
Moving Home

Buying a leasehold property

Considering buying a leasehold property? Let us highlight a few things you’ll need to consider...

Buy To Let
Remortgage

Why should I remortgage?

Use this mortgage guide to find out about reasons why you should consider remortgaging.

Buy To Let
Tax

Things to think about when buying to let

When taking out a buy to let mortgage, there are some important things you need to consider.

Buy To Let

Buy to Let for HMOs

Check your mortgage options

See the deals you qualify for & how much you could borrow