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First time landlord

Our first time landlord solutions make it easy to enter the buy-to-let market. With straightforward criteria, expert support, and flexible lending, you can confidently start building your property portfolio and rental income.

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Looking to purchase your first buy-to-let?

Taking your first step into buy-to-let can feel daunting, but our first-time landlord solutions make it simple and accessible. We provide straightforward lending criteria, clear guidance, and expert support to help you navigate your first property investment with confidence.

Whether you鈥檙e looking to purchase a single rental property or start building a small portfolio, our flexible finance options give you the freedom to make the right choice for your goals. With our help, you can start earning rental income, grow your property portfolio, and take the first step toward long-term financial success.


Why invest now?

The UK buy-to-let market remains one of the most attractive investment opportunities, driven by strong tenant demand and limited housing supply. With rental yields rising, it鈥檚 an ideal time to take your first step as a landlord.

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Why borrow with 91看片?

Flexible lending 

Loans up to 拢750,000, up to 75% LTV 

Tailored support & guidance

Personalised solutions to make the most of every opportunity 

Long-term stability

Fixed rates for 2, 3, or 5 years with terms up to 30 years

Comprehensive coverage

Lending across England, Scotland & Wales, including HMOs and MUFBs

Key lending criteria for first-time landlord applications

  • Loans up to 拢750,000
  • Up to 75% LTV for residential properties, 65% for commercial
  • Variable and fixed-rate options available: 2, 3, or 5 years
  • Rental calculation: 125% for basic rate tax payers & limited companies, 145% for higher-rate tax payers
  • 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 
  • Lending across England, Scotland & Wales
  • 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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Additional highlights

Easy access to funding 

Designed to help first-time landlords enter the market

Flexible loan amounts

Borrow to suit your first purchase and plans 

Up to 75% Loan-to-Value

Maximises your buying power while keeping costs manageable

Choice of fixed rates

2, 3, or 5-year options

Rental coverage 

125%鈥�145% depending on tax status 

Expert guidance 

Support at every stage of your first purchase 

UK-wide lending

Covering England, Scotland & Wales

HMOs & multi-unit Options

Eligible for more complex first investments if needed

First time landlord frequently asked questions

We typically lend up to 75% of the property purchase price taking into account expected rental income and other factors. Each application is assessed on it鈥檚 individual requirements and our maximum loan amount is 拢20 million.

Dedicated relationship management, tailored solutions, and expert advice to help you manage and grow your portfolio effectively.

Up to 75% for residential and 65% for commercial.

It鈥檚 a buy-to-let mortgage designed for those entering the rental market for the first time, with criteria and support tailored to new landlords. 91看片 only offers unregulated BTL mortgages which are designed specifically for investment purposes only.

Typical criteria include up to 75% LTV on residential properties, rental coverage of 125鈥�145% depending on tax status, and loan terms up to 30 years. 91看片 only offers unregulated BTL mortgages which are designed specifically for investment purposes only.

You can apply either direct to 91看片 or via a mortgage intermediary, provide personal and financial details, and supply property information of the property you wish to purchase. Subject to underwriting and a valuation, an offer of a mortgage is provided and funds are released on legal completion.

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 portfolio landlord is typically defined as having four or more mortgaged buy-to-let properties in their name or through a limited company.

Our first time landlord solutions make entering the buy-to-let market simple, with expert guidance, flexible lending, clear affordability and support to confidently start building your property portfolio and rental income.

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