🏠 Buy-to-Let Mortgages in Sidcup

💼 Helping You Finance Your Next Investment

Whether you’re buying your first rental property or expanding a growing portfolio, we support landlords and investors across Sidcup, Blackfen, and the wider Bexley area. From high-yield flats to HMOs and limited company structures, we help you explore your options with confidence.

We assist with purchases, remortgages, and refinancing for a wide range of investment scenarios — including personal applications, SPV lending, and multi-property portfolios.

🤝 What We Can Help With

• 🏡 Standard buy-to-let mortgages and remortgages
• 🏢 Limited company (SPV) property finance
• 📈 Portfolio landlord and multi-property lending
• 📊 Rental stress testing and lender affordability checks

🏘️ Property Types We Work With

• 🏠 Flats and single-family homes
• 🏢 Multi-unit freehold blocks (MUFBs)
• 👥 Houses in Multiple Occupation (HMOs)
• 🔨 New builds and refurbishment opportunities

❓ Buy-to-Let FAQs

💸 How much deposit do I need for a buy-to-let mortgage?

Most lenders require a deposit of 20–25%, though some specialist lenders may ask for more depending on the property type or borrower profile.

📈 Can I use projected rental income to qualify?

Yes — lenders assess affordability based on expected rental income, subject to their stress-testing rules. We can help you understand how that’s calculated.

🏛️ Should I buy in a limited company name?

This depends on your tax position. Many landlords choose an SPV structure for tax efficiency, but it’s always best to seek independent tax advice before deciding.

📞 Speak to a Local Expert

We help clients across Sidcup and nearby areas navigate buy-to-let mortgage options with ease. Whether you’re investing in a single flat or growing your portfolio, we’re here to help you take the next step.

📩 Get in Touch

Disclaimer: We do not provide financial or mortgage advice. If regulated advice is required, we may introduce you to an authorised mortgage advisor.