🏠 Buy-to-Let Mortgages in Worthing

With demand across Worthing, Goring-by-Sea, Broadwater and Durrington, well-chosen rentals can perform strongly. We help landlords compare BTL products, pick the right ownership route and prepare robust applications. When a recommendation is required, we’ll connect you with an FCA-regulated adviser.

🛠️ How We Support You

• 💰 Explain deposits, fees and rental stress tests (ICR)
• 🏢 Assess personal vs. SPV ownership for your goals
• 📊 Compare 2- vs. 5-year fixes, fee structures and exit costs
• 📝 Package documents so valuation/underwriting run smoothly

📋 Lender Snapshot

• 💵 Deposit: Commonly 25%+
• 📈 Rental Cover: 125–145% at a stress rate
• 👨‍💼 Experience: New landlords considered by some lenders
• 💳 Income: Minimum personal income may be requested

📍 Local Notes

Seafront flats and leaseholds require careful review of service charges/ground rent; family houses in Broadwater/Goring hinge on solid rent comps. Improving EPCs can support yield and product choice.

🙋 Buy-to-Let FAQs

📊 What LTV is realistic?

75% is the common sweet spot; 80% available with tighter criteria.

💷 Can I raise capital on an existing BTL?

Often yes, subject to rent and valuation; funds typically for property purposes.

📑 Are product fees tax-deductible?

Accountant advice recommended — many landlords amortise fees against rental income.

👥 Can I let to students or professionals?

Yes under ASTs; HMOs require specialist lending and licensing.

🚀 Next Steps

Tell us your Worthing plans and target rent. We’ll outline lender routes and connect you with an FCA-regulated adviser for next steps.

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