Why Use First Time Landlord Mortgages?

First-time landlord mortgages are designed for people buying their very first rental property. Whether you're entering the market for extra income, long-term wealth, or your first step toward building a portfolio, first-time landlord mortgages make investing more accessible — even with limited experience.

They’re ideal when:

✅ You’re purchasing your first buy-to-let property
✅ You have no previous landlord experience
✅ You want to invest through personal name or an SPV
✅ You’re looking for rental income to supplement your earnings
✅ You need guidance through your first buy-to-let application
✅ You want competitive rates with clear, simple criteria

At The Funding Group, we help first-time landlords secure the right mortgage quickly and confidently — without the jargon.

Common First-Time Landlord Scenarios

We support first-time investors with buy-to-let finance for:

🏠 Single residential homes and flats
🏘️ New-build properties and apartments
🏢 Flats above shops or semi-commercial properties
🔁 Remortgaging residential homes into buy-to-let (let-to-buy)
📈 First steps into long-term wealth building
💼 SPV purchases for new landlords
🛠️ Light refurbishments before rental

Every first-time landlord situation is different — we match your application to the lender that best fits your income, experience, property type, and goals.

How We Work

Entering the BTL market can feel overwhelming — our job is to make it simple and stress-free.

📞 Initial Chat (Same Day)
We review your income, deposit, property type, and long-term goals to determine the best lenders for first-time landlords.

📄 Indicative Terms Within 24 Hours
You’ll receive a shortlist of lenders offering suitable rates based on rental income, stress tests, and property criteria.

🏢 Valuation & Underwriting
We organise valuations, prepare your documents, and manage communication with the lender from start to finish.

💷 Fast, Smooth Completions
Most first-time landlord mortgages complete in 4–8 weeks, depending on property type and lender requirements.

We guide you through every stage — from application to completion.

Why First-Time Landlords Choose The Funding Group

We help you:

🏡 Secure competitive first-time landlord mortgage products
📈 Start your investment journey with confidence
💡 Understand lender criteria and affordability rules
📊 Navigate stress tests and rental calculations
🚀 Build the foundations for scaling in the future
🔑 Access specialist lenders who support first-time landlords

We support your investment goals with clear, expert guidance.

Ready to Become a Landlord? Get Expert Support

We’re here to help you secure your first buy-to-let mortgage — quickly, clearly, and with full transparency.

✅ Friendly, expert guidance
✅ Same-day decisions
✅ End-to-end support

👉 Get a personalised quote today or call 08000 699 500

First-Time Landlord FAQs – Answered

How much deposit do I need?
Most lenders require at least 20–25% deposit for first-time landlords.

Do I need a minimum income?
Many lenders prefer £25k+ annual income, but some have no minimum at all.

Can I buy a BTL through a Limited Company as a first-time landlord?
Yes — many first-time investors use an SPV from day one.

What rental income do I need?
Lenders use stress tests, typically requiring rental income to cover 125–145% of the mortgage payment.

Are rates higher for first-time landlords?
Sometimes slightly, but many lenders now offer competitive rates for new investors.