🏠 Buy-to-Let Mortgages in Hastings

Hastings and St Leonards attract steady tenant demand — from seafront apartments to Victorian terraces. We help landlords navigate deposits, stress tests and lender criteria, packaging cases that move through valuation and underwriting cleanly. Where advice is required, we’ll connect you with an FCA-regulated adviser.

🛠️ Landlord Support

• 📊 Explain rental stress tests and achievable LTVs
• 💡 Compare fixes/trackers and fee structures
• 🏢 Set up cases in personal name or SPV company
• 📂 Prepare documents (AST, rent comps, lease/service charges)

📋 Typical Requirements

• 💰 Deposit: Usually 25%+
• 📈 ICR: 125–145% stress; varies by taxpayer status/product
• 👨‍💼 Experience: First-time landlords possible with the right profile
• 🧾 Income: Minimum personal income may apply

📍 Local Notes

Older stock and varied leases mean valuers focus on condition, EPC and ongoing charges. Strong, realistic rent evidence supports valuation and loan sizing.

❓ Buy-to-Let FAQs

📑 Can I get 5-year fixes to ease stress tests?

Often yes — some lenders stress 5-year fixes at the pay rate, helping ICR.

💳 Do lenders allow top-slicing?

Some do, using surplus personal income to bridge ICR gaps.

🏘️ Are HMOs allowed on standard BTL?

HMOs need specialist products; standard BTL is for single-household ASTs.

🏗️ What about new builds?

Possible, but expect tighter LTV and rental assumptions.

🚀 Next Steps

Ready to invest in Hastings property? 🏠
Share your Hastings property and rent target. We’ll outline lender options and connect you with an FCA-regulated adviser for tailored guidance.

⚠️ Important: We do not provide regulated mortgage advice. We act as an introducer and may receive a fee for successful introductions.