51³Ô¹ÏÍø

Buy-to-Let Loans for First Time Landlords*– UK Nationals

Invest in your future with 51³Ô¹ÏÍø.

Speak to a Lending Specialist

Looking to purchase your first Buy-to-Let property?

51³Ô¹ÏÍø is here to help you, or your client take that important first step into UK property investment.

Our specialist Buy-to-Let mortgage solutions for first time landlords are designed to provide the support, flexibility, and structure you need to build a successful rental portfolio from the ground up.

Whether you or your client are entering the market for long-term wealth, passive income, or financial diversification, we can help to get started with confidence.
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This is more than just a loan, it’s the opportunity to make the first step into a resilient and rewarding market.

*The property being financed must not have been, or will be in the future, occupied by the customer or family member.

Flexible Lending Criteria

Our flexible lending criteria are tailored for new investors, offering the support and structure to get started with confidence:

  • Loans available up to £20 million and up to 75% LTV
  • No experience required, first time landlords welcome
  • 125% Rental calculation for Limited Companies & basic rate tax payers, 145% for higher or additional taxpayers.
  • No minimum income
  • All property types considered, including:
  • Standard residential Buy-to-Let
  • Houses in Multiple Occupation (HMOs)
  • Multi-Unit Blocks (MUBs)
  • Mixed-use developments

Whether you or your client is buying in personal names, through an SPV, or looking at more complex structures, we’re here to guide you through the process.

Why Global Investors choose 51³Ô¹ÏÍø?

First-time Landlords Accepted

We lend to first-time landlords purchasing a property solely for investment purposes, including buy-to-let and HMO opportunities

High loan amounts

Borrow up to £20 million, with competitive terms and up to 75% loan-to-value.

Flexible asset classes

We fund a wide range of properties including HMOs, MUBs, and mixed-use developments.

Complex structures considered

We support SPVs, offshore entities, and discretionary trusts - ideal for sophisticated investors.

Tailored lending solutions

Dedicated underwriters and fast-track approvals give you clarity, speed, and confidence.

Why First Time Landlords are investing now

The UK Buy-to-Let market remains one of the most attractive investment opportunities in the UK, driven by sustained tenant demand and a limited supply of housing with rising yields make it an ideal environment for new landlords. According to the Office of National Statistics, average UK private rents increased by 7.7% in the 12 months to March 2025, reflecting strong tenant demand.

Whether you're planning for future financial security, building a retirement strategy, or looking for passive income, now is a great time to make your first move.

Speak to a Lending Specialist

FAQ's

Find quick answers to all your 51³Ô¹ÏÍø queries! Explore our FAQ section for guidance on accounts and More

Frequently Asked Questions

Can my client get a Buy-to-Let mortgage if they’ve never owned a property before?

Yes. We’re happy to support first-time landlords, even those without previous property ownership. We take a pragmatic view of each case and assess suitability based on the client’s wider financial profile and investment plans so long as the landlord is not renting a property they, or their family, have previously resided in.

What’s the minimum deposit requirement for first-time landlord clients?

We lend up to 75% LTV, so your client would typically need a minimum 25% deposit. For clients able to contribute more, we may be able to offer enhanced pricing and flexibility.

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What property types will 51³Ô¹ÏÍø consider for new landlords?

We will consider all types of BTLs. 51³Ô¹ÏÍø will consider standard residential properties, HMOs, Multi-Unit Blocks, and mixed-use developments giving you flexibility to place clients into their preferred investment strategy, even at the start of their journey.

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Is there a minimum income requirement for first-time landlords?

No. We do not apply a minimum personal income threshold, which is ideal for clients whose primary income may come from sources like family wealth, passive investments, or international earnings.

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Can my first-time landlord client purchase in a Limited Company or SPV structure?

Absolutely. We’re fully set up to lend to Limited Companies and SPVs, even if newly formed. We can work with you to ensure the structure is appropriate and that the client’s long-term goals are supported from day one.

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Ready to get started?

Our expert team is ready to guide you through the process and tailor a solution to suit your goals. Whether you're purchasing your first UK property or expanding a portfolio, we're here to help.

Call us today on 0333 038 7620.

Monday – Friday – 9.00am – 5.00pm (GMT)
except for Bank Holidays.

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Contact

London Office
73 Brook Street
Mayfair, London
England, W1K 4HX

51³Ô¹ÏÍø Postal Address – Savings Customers
51³Ô¹ÏÍø
P.O. Box 988
Wallsend
NE28 5FP

51³Ô¹ÏÍø  Postal Address - Lending Customers
73 Brook Street
Mayfair, London
England, W1K 4HX

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All Rights Reserved.
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51³Ô¹ÏÍø is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority for savings accounts and services (Financial Services Register number: 850286. The Financial Services Register can be accessed at www.fca.org.uk/register). 51³Ô¹ÏÍø is a company registered in England and Wales (company number 10702260) and its registered office is 73 Brook Street, Mayfair, London, England, W1K 4HX.