Buy-to-Let Mortgages:
Your Complete Investment Guide
Taking your investments to the next level!
Smart Property Investment Starts Here
Whether you're a first-time landlord or expanding your portfolio, The Mortgage Dog specialises in making buy-to-let financing work harder for you.
From personal to limited company mortgages, we'll help structure your investments for optimal returns and tax efficiency.
Investment Strategies Made Simple
Understanding buy-to-let mortgages is crucial for property investment success. We'll guide you through personal vs limited company ownership, rental calculations, and tax implications to maximise your returns.
Who We Are?
We're not just another stuffy financial service.
We're your long-term financial partner committed to helping you smash your property goals from your first rental property right through to your 80 property portfolio.
Our Promise to you
From your first mortgage chat to your last remortgage decades from now. We're not just processing paperwork – we're helping you build your life, one mortgage at a time.
Your portfolio starts here.
STILL NOT SURE?
Frequently Asked Questions
Bad Credit Mortgage FAQs
How Much Can I Borrow?
Understanding rental calculations:
Basic rate taxpayers: typically 125% rental coverage
Higher rate taxpayers: usually 145-160%
Limited companies: often 125%
Stress tested at 5.5-6.5%
HMO properties: different calculations apply
Example calculation:
Monthly rent £1,000 Stress test at 145% at 5.5% = Maximum loan £147,000
(We'll help you work out exact figures)
What About Specialist BTL Properties?
We handle diverse investment strategies:
HMOs (Houses in Multiple Occupation)
Student lets
Holiday lets
New build investments
Multi-unit properties
Semi-commercial units
Airbnb properties
Each type has specific lending criteria and opportunities.
What Deposit Do I Need?
Deposit requirements vary:
Standard BTL: 25% minimum typical
HMOs: Usually 25-35%
First-time landlords: 25-30%
Limited companies: 25% typical
Holiday lets: 25-40%
New builds: Often 35%+
How Do I Build and Manage a Portfolio?
Strategic portfolio growth:
Portfolio landlord considerations (4+ properties)
Refinancing strategies for expansion
Managing lending exposure limits
Cross-collateralisation opportunities
Exit strategy planning
Capital raising options
Why Should I Use The Mortgage Dog To Build My Portfolio?
We offer:
Whole of market access
Specialist lender relationships
Portfolio optimisation
Long-term investment planning
Regular review service
Ready to Grow Your Portfolio?
Whether you're starting your landlord journey or expanding an established portfolio, we'll help you structure your investments for optimal returns and sustainable growth.
What Exactly is an SPV and How Do I Set One Up?
Special Purpose Vehicle (SPV) explained:
A limited company specifically for property investment
Typically use correct SIC codes (68100, 68209, or 68320)
Usually set up through Companies House (£12 online)
Requires business bank account
Typically needs professional accountant support
Key benefits:
Clear separation from other business activities
Preferred by BTL lenders
Easier to manage tax and accounting
Better for portfolio growth
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £299.
The Mortgage Dog Ltd (FCA Number 788976) is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. The Mortgage Dog Ltd. is registered in England and Wales under company number 12306191 at the registered address 41a Spout Lane, Washington, NE38 7HP. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority
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