First-Time Landlord & FTB Buy to Let
When it's your first rental property — or your first property, full stop
Overview
Most Buy to Let lenders assume you're already a homeowner. That assumption catches two different groups of buyers out: people who own their own home but have never let a property before, and — less commonly, but it does happen — people buying a Buy to Let as their very first ever property purchase.
First-Time Landlords
You own your own home but have never let a property — most mainstream lenders are comfortable with this, though some ask about your plan for managing the let
First-Time Buyer Landlords
Buying a Buy to Let as your first property purchase, with no residential ownership history at all, is a genuine niche — the pool of lenders willing to consider it is much smaller
Minimum Income Requirements
Many lenders in this space set a minimum personal income requirement alongside the rental income test, specifically because there's no existing mortgage track record to assess
Portfolio Growth From a Standing Start
We'll also talk through what a sensible first purchase looks like if you're planning to build a portfolio, not just buy one property
Why Choose Domus Finance?
Lender Knowledge
We know which lenders will consider a first-time landlord or first-time buyer landlord, and which will decline on sight
Realistic Expectations
We'll tell you honestly what's achievable before you commit time to an application that was never going to succeed
Whole of Market
Access to specialist lenders and products unavailable directly
Whole of Market Access
We search thousands of mortgage products to find the best rates and terms for you.
FCA Regulated
Fully authorized and regulated by the Financial Conduct Authority.
The Mortgage Process
Initial Consultation
We'll discuss your needs, circumstances, and financial goals to understand what you're looking for.
Research & Comparison
We'll search the entire market to find the best mortgage products that match your requirements.
Application Submission
Once you're happy with our recommendation, we'll handle the application process on your behalf.
Completion
We'll keep you updated throughout and celebrate with you when your mortgage completes.
Ready to Get Started?
Speak with one of our mortgage experts today for a free, no-obligation consultation.