🏘️ Buy-to-Let Mortgages in Bromley

Letting in Bromley? Whether you’re acquiring your first rental or adding to a portfolio in Beckenham, Chislehurst, Shortlands or near Sundridge Park, we’ll help you line up finance that fits your strategy. When regulated advice is required, we introduce you to an FCA-authorised adviser with experience in landlord cases.

🛠️ What We Help With

🏠 Single-let houses and purpose-built flats
🏢 Limited company (SPV) purchases and remortgages
📑 Portfolio refinancing and equity release
👥 HMOs and multi-lets (experience dependent)
🔧 Light refurbishment and bridge-to-let routes

📊 How Lenders Assess Rentals

Expect a rental coverage test (often around 125–145% of the monthly interest at a notional stress rate). The hurdle varies by tax status, product type and fix length; five-year fixes can sometimes ease the test versus two-year products.

📍 Local Notes

Bromley’s mix spans Victorian terraces near Sundridge Park, maisonettes in Shortlands and modern blocks close to Bromley South. Valuer commentary, service charges and EPC ratings can all influence lending appetite and achievable leverage.

❓ Buy-to-Let FAQs

🏢 Can I buy through a limited company?
Yes — many landlords use SPVs. Expect personal guarantees and lender checks on experience and background.

💷 What if the rent is a bit short?
Some lenders allow top-slicing, using surplus personal income to support the case (criteria dependent).

👥 Do lenders accept HMOs?
Specialist products exist but criteria are tighter: licensing, experience and valuation method matter.

🚀 Next Steps

Tell us about the Bromley property and rent expectations. We’ll outline viable routes and connect you with an FCA-authorised adviser for tailored recommendations.

⚠️ Important: We do not provide regulated mortgage advice. We act as an introducer and may receive a fee for successful introductions. Buy-to-let loans are not typically regulated by the FCA.