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Supporting first time landlords

Our buy-to-let solutions for first-time landlords offer straightforward criteria, expert guidance, and competitive rates. Helping new investors confidently purchase, manage, and grow their rental property portfolios with ease and support.

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Helping first time landlords step into property investment

Is your client looking to purchase their first buy-to-let investment property? Our tailored lending solutions provide straightforward criteria, competitive rates, and expert guidance designed specifically for first-time landlords.  

We understand the challenges of entering the property market and offer flexible options to help your client secure their ideal investment. 

Whether they鈥檙e buying a single-family home or a small multi-unit property, our dedicated relationship managers will simplify the process, ensuring a smooth application and helping your client build a successful rental portfolio from the start.

Key lending criteria

  • Loans up to 拢750,000
  • Up to 75% LTV for residential properties, 65% for commercial
  • Variable and fixed-rate options: 2, 3, or 5 years
  • Rental calculation: 125% for basic rate tax payers or limited companies, 145% for higher-rate tax payers
  • Lending across England, Scotland & Wales
  • Top-slicing considered for eligible customers
  • Flexible terms: up to 30 years
  • No maximum age for limited companies
  • Houses in Multiple Occupation (HMOs) & Multi-Unit Freehold Blocks (MUFBs) accepted, limited to 6 bedrooms or units
  • No income required
  • Minimum age 25
  • Must be an owner occupier for at least 12 months
  • The borrower or an immediate family member cannot have lived or intend to live in the property used as loan security
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Why borrow with us?

Flexible criteria

We consider unique circumstances, supporting landlords with limited history or complex financial backgrounds

No minimum income

Enables entry into property investment without strict salary thresholds, ideal for beginners

Flexible asset classes

We fund a wide range of properties including HMOs, MUFBs, and mixed-use developments

Rental calculation

125% rental calculation for limited companies & basic rate taxpayers, 145% for higher or additional taxpayers

Additional highlights

No property limit

We support future growth by allowing landlords to expand portfolios without restrictions

High maximum loan size

Borrow up to 拢750,000, providing scale for larger investments down the line

Competitive loan-to-value (LTV)

Up to 75% LTV on standard buy-to-let properties, maximising borrowing potential

Flexible ownership structures

Lending available to individuals, partnerships, Limited Companies, and Special Purpose Vehicle (SPVs)

Wide range of property types

We finance Houses in Multiple Occupation (HMOs), Multi-Unit Freehold Blocks (MUFBs), and diverse residential properties

Flexible repayment terms

Options tailored to support cash flow and investment goals

Portfolio consolidation options

Refinance in future under one facility for simplified management

Dedicated relationship management

Hands-on support from application to portfolio growth


We help first time landlords get started with confidence through simple criteria, competitive rates, and expert guidance ensuring their first step into property investment is a successful one.

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Why first-time landlord lending works now

Demand for rental properties continues to rise, creating opportunities for new investors to enter the market. However, stricter regulations and affordability checks can make it harder for first-time landlords to get started.

糖心Vlog provides straightforward criteria, tailored underwriting, and no income requirements – removing common barriers and giving new landlords the confidence and flexibility to build their first portfolio successfully.

First time landlord frequently asked questions

We lend on a wide range of property types including standard residential, HMOs, MUFBs, semi commercial and commercial properties.聽

Our straightforward criteria, no income requirements, and expert relationship managers give new investors the clarity and support they need.

We use rental coverage calculations (125% for basic rate taxpayers and limited companies, 145% for higher-rate taxpayers or 130% for foreign nationals), ensuring affordability aligns with expected rental income.

Absolutely 鈥� our dedicated relationship managers guide first time landlords through the process, making it simple, clear, and efficient.

Yes. We have no minimum income requirements as rental income is assessed on the expected rental of the property, making it easier to place cases for clients relying solely on rental income or family support.

Yes. We accept joint applications from new landlords, including couples or business partners, whether applying personally or via a limited company.

We lend on standard residential buy-to-let, HMOs, and MUFBs – however for HMOs & MUFB’s we limit to a maximum of 6 bedrooms or units respectively. Our flexible asset criteria means your client can start with the property that best fits their investment goals.

We will consider a first-time landlord to top-slice, where surplus income is derived from other sources (such as salary, investments, or pensions) is considered to support affordability. However, each application is assessed on it’s own individual merits.

Yes, we accept newly formed companies, providing flexible underwriting to support early-stage investors.

A first-time landlord is anyone purchasing their first rental property, either individually or through a limited company.