Buy-to-Let Mortgages in Bexley

🏘️ Buy-to-Let Mortgages in Bexley

Supporting Landlords Across Bexley and Beyond

Whether you’re a first-time landlord or expanding an existing portfolio, securing the right buy-to-let mortgage is essential. We support clients across Bexley with guidance on deposit requirements, rental yield, lender criteria, and long-term investment planning.

From flats near Bexleyheath Station to HMOs in Welling, we help property investors and landlords navigate the process clearly and professionally.

💰 How Much Deposit Do I Need?

Most buy-to-let mortgages require a minimum deposit of 20–25%, though some lenders may accept slightly less with strong rental yield and credit history. A higher deposit can often unlock better interest rates or more flexible criteria.

If you’re buying through a limited company, deposit requirements and interest rates may differ — but we’ll help you explore both personal and limited company options.

🏦 What Do Lenders Look For?

Lenders assess your eligibility based on the potential rental income rather than your personal income. Typically, they require the expected rent to cover at least 125%–145% of the monthly mortgage payment, based on a stress-tested interest rate (usually around 5.5%).

You may also need to meet minimum income requirements — often around £25,000 per year — though some specialist lenders are more flexible.

🏢 Limited Company Buy-to-Let

Many landlords in Bexley choose to purchase buy-to-let property through a limited company. This can offer potential tax advantages, especially for higher-rate taxpayers, though it may come with slightly higher rates or product fees.

We help you understand the pros and cons of this setup and connect you with lenders offering limited company buy-to-let products.

🗺️ Why Invest in Bexley?

Bexley offers strong rental demand due to its excellent commuter links, good schools, and balance of affordability. Areas like Sidcup, Barnehurst, and Albany Park remain popular with young professionals and families seeking rental properties.

Whether you’re buying a 1-bed flat or a multi-let HMO, we’ll help you explore funding options and support you through the process.

✅ What We Offer

While we don’t give regulated mortgage advice ourselves, we’ll handle your enquiry with care and clarity — and connect you with a trusted broker when you’re ready. We aim to make the process straightforward, efficient, and free from unnecessary hassle.

Our support includes buy-to-let enquiries for single lets, HMOs, limited company landlords, and portfolio investors.

📞 Ready to Discuss Your Buy-to-Let Plans?

Use our mortgage calculator to test your numbers, or contact us to talk through your plans with a local expert.

We’re here to support landlords and property investors across Bexley and surrounding areas.

💬 Frequently Asked Questions (FAQ)

What deposit is required for a buy-to-let mortgage?

Most lenders require at least 20–25% deposit, though better rates are often available with 30–40% deposit.

Can I get a buy-to-let mortgage through a limited company?

Yes, many landlords now buy through limited companies for potential tax benefits. Lenders offer specific products for this setup.

Do I need to earn a minimum salary?

Some lenders require a minimum income (often £25,000), while others base eligibility solely on rental income projections.

Can I live in my buy-to-let property?

No — buy-to-let mortgages are for investment purposes only. You cannot live in the property yourself under these terms.