🏠 Buy-to-Let Mortgages in Canterbury

Student lets near UKC or CCCU, professional house shares, or standard single-lets — Canterbury’s rental market offers variety. We help investors across St Dunstan’s, Wincheap, Hales Place and Sturry structure finance that suits the asset and plan. Where advice is required, we introduce an FCA-authorised adviser with landlord expertise.

💼 Investor Support

• Purchases and remortgages in personal name or SPV
• Student HMO strategies and compliance considerations
• Portfolio gearing, equity release and term planning
• Refurb-then-refi and bridge-to-let options

📊 Affordability & Stress Testing

Most products require the projected rent to cover interest by a margin (commonly 125–145% at a notional rate). The exact metric depends on tax band, product type and fix length. EPC ratings and property condition can also affect options.

🏘 Local Notes

Inside-the-walls character homes, HMOs around Hales Place and newer apartments toward St Dunstan’s often trigger different valuation approaches. Providing comparable rents and a clear management plan helps the file move quickly.

❓ Buy-to-Let FAQs

🔹 Do I need prior landlord experience?

Not always. Some lenders accept first-time landlords; others prefer experience, especially for HMOs.

🔹 How big a deposit do I need?

Commonly 25% for mainstream products, though criteria vary with asset type and profile.

🔹 Can I capital-raise on an existing rental?

Often yes, subject to LTV, rental cover and product criteria.

🚀 Next Steps

Share the property details and expected rent in Canterbury. We’ll outline lender routes and connect you with an FCA-authorised adviser for a tailored recommendation.