Is this you?
Every situation starts with a different story.
You are buying your first rental property
And want to understand how buy-to-let affordability, rental income and lender criteria may affect your options.
You already own rental property
And are looking to remortgage, release equity or improve the structure of your borrowing.
You are building a property portfolio
And want to understand how future borrowing may be affected as your portfolio grows.
You are deciding how to buy
And want to understand the mortgage implications of buying personally or through a limited company.
How Verion helps
We understand your investment plans
We start with the bigger picture: the property, expected rent, deposit, existing borrowing and what you want your investment to achieve over time.
We shape the right solution
We explore suitable buy-to-let mortgage options and consider lender criteria, rental coverage, borrowing structure and future plans before helping you understand the choices available.
We make the process easier
From affordability and lender selection through to application, valuation and completion, we guide you through the process and keep things clear.
We think beyond one property
If you are building a portfolio, we consider how today's decision may affect future borrowing rather than looking at each property in isolation.
We stay connected
Property investment changes over time. We stay connected as your portfolio, borrowing needs and plans evolve.
Your buy-to-let journey
It starts with your investment plan
We understand what you are buying, why you are buying it and what you want the property to achieve.
We assess what works
We look at expected rental income, deposit, borrowing requirements and relevant lender criteria.
We shape the right structure
We explore suitable mortgage options and help you understand the differences between them.
We make the journey easier
We support you through the mortgage application, valuation and completion process.
We look beyond the completion
We stay connected as your rental property, portfolio and future investment plans develop.
Things worth knowing
Lenders will usually consider the expected rental income alongside other criteria.
Void periods, maintenance costs and changing market conditions can affect returns.
We can explain the mortgage considerations, but tax advice should come from an appropriately qualified tax adviser.
Releasing equity from one property to fund another can affect overall borrowing and risk. Some forms of buy-to-let mortgage are not regulated by the FCA. Warning: your property may be repossessed if you do not keep up repayments on your mortgage.