🏘️ Buy-to-Let Mortgages in Tunbridge Wells

From period apartments near 📍 The Pantiles to family rentals in Hawkenbury and Southborough, Tunbridge Wells attracts consistent tenant demand. We help landlords structure funding that suits yield targets and risk appetite, introducing FCA-authorised advisers where regulated advice is required.

🤝 How We Help Landlords

• 🏠 Standard single-let purchases and remortgages
• 🏢 SPV company lending and director guarantees
• 📑 Portfolio refinancing and acquisitions
• 👥 HMOs and multi-unit strategies (criteria dependent)
• ⚡ Short-term bridge for auction or light works

📋 Understanding Lender Criteria

💷 Rent must usually exceed interest costs by a margin (around 125–145% at a set stress rate). 📊 Five-year fixes can sometimes relax the test; higher-rate taxpayers may face steeper hurdles. 🏢 Valuation approach, ground rent and service charge terms matter for flats.

📍 Local Notes

Stock varies widely: 🏛️ Pantiles apartments, 🏠 St John’s terraces, and 👪 suburban family homes each attract different valuer commentary. Strong comparable rents and a clear strategy help secure the desired leverage.

❓ Buy-to-Let FAQs

💡 Is top-slicing available?

Some lenders allow surplus personal income to support affordability where rent is close to the target.

📜 Do I need an HMO licence?

Depends on the property and local rules. Lenders expect compliance where required.

📆 Are five-year fixes better for BTL?

They can ease stress tests and provide payment certainty, but flexibility and fees should also be weighed.

🚀 Next Steps

Tell us about the Tunbridge Wells property and rent. We’ll outline options and connect you with an FCA-authorised adviser for tailored recommendations.