🏘 Buy-to-Let Mortgages in Brighton & Hove

Brighton’s rental market moves quickly — from period conversions in central Brighton to family homes in Hove and modern blocks near the Marina. We help landlords compare BTL options, structure cases in personal or SPV ownership and prepare clean applications. When needed, we’ll connect you with an FCA-regulated adviser for a tailored recommendation.

🤝 How We Help

• 💰 Clarify deposits, fees and rental stress tests (ICR)
• 📊 Compare personal vs. SPV for portfolio growth
• ⚖️ Evaluate product trade-offs (fees vs. rates, 2- vs. 5-year fixes)
• 🗂 Package documents for smooth valuation/underwriting

📋 Common Criteria

• 🏦 Deposit: Typically 25%+ (flats/new builds may need more)
• 📈 ICR: 125–145% at a stress rate, varies by taxpayer status
• 👨‍💼 Experience: First-time landlords possible with the right profile
• 💼 Income: Minimum earned income may be requested

🏢 Personal vs. SPV

Personal BTL is simple and widely available. SPV company lending can suit scaling or tax planning; pricing, fees and lender panels differ. We’ll help you assess total cost of borrowing across the fixed period.

📍 Local Notes

Brighton & Hove leaseholds vary in service charges and ground rent terms; EPC efficiency can affect product choice and yields. Strong rental comps and clear AST assumptions help the valuation case.

❓ Buy-to-Let FAQs

What’s the usual LTV?

✔ 75% is common; 80% can be available with tighter criteria.

Do lenders accept Airbnb/short lets?

✔ Some specialist lenders do; mainstream BTL is usually for standard ASTs.

Can I buy through a new SPV?

✔ Yes — many lenders accept clean, newly formed SPVs with appropriate SIC codes.

Are product fees worth paying?

✔ Sometimes yes — higher fee/ lower rate can reduce total cost on larger loans.

📌 Next Steps

Tell us about the property, rent and ownership route. We’ll outline lender paths and connect you with an FCA-regulated adviser for next steps.