Buy-to-Let Mortgages in Woking

🏢 From new-build apartments near the station to family lets in Horsell and Knaphill, Woking offers strong rental demand. We help landlords compare products, structure cases and get application-ready. When advice is required, we’ll connect you with an FCA-regulated adviser who specialises in BTL.

Support for Landlords

• 💰 Explain deposits, fees and typical rental stress tests
• 🏠 Personal name vs. SPV company ownership pros/cons
• 📊 Fixes vs. trackers, fee-heavy vs. rate-sharp products
• 📝 Document prep (ASTs, rental comps, service-charge info)

Typical Lender Criteria

• 💵 Deposit: Usually 25%+
• 📈 Rental cover: Often 125–145% at a stress rate
• 👤 Experience: First-time landlords considered by some lenders
• 💼 Income: Minimum personal income may apply

Ownership Choices

⚖️ Personal: Broad lender choice, straightforward. SPV: Popular for scaling portfolios and tax planning; different criteria and pricing. We’ll help you weigh total costs over the fixed term — not just the headline rate.

Local Notes

📍 Lease length, ground rent clauses and EPCs matter for Woking flats. For houses, lenders focus on achievable rent and demand. Clean packaging — including realistic rental evidence — supports valuation outcomes.

Buy-to-Let FAQs

❓ Can I get 80% LTV?

Sometimes, but pricing/stress tests tighten. Many landlords choose 75% LTV for wider choice.

📂 Do lenders allow top-slicing?

Some do, using surplus personal income to meet stress tests.

👨‍👩‍👧 Can I let to family or on company lets?

Possible, but terms and lender lists differ. We’ll outline suitable routes.

🌱 What about EPCs?

Energy efficiency impacts running costs and lender appetite. Improving EPCs can broaden options.

Next Steps

🚀 Share the property details and expected rent. We’ll sketch lender options and connect you with an FCA-regulated adviser for a personalised recommendation.