Buy to let
A buy to let can be a smart way to invest in your future, but like any property purchase, it pays to have the right guidance. Our experienced property solicitors are here to take the stress out of the process, making sure everything runs smoothly from start to finish.
Whether you’re taking your first step into property investment or expanding an existing portfolio, we’ll work efficiently and carefully to protect your interests. From liaising with lenders, solicitors and agents to ensuring all legal steps are carried out effectively, we’ll guide you through with clarity so you can invest with confidence and avoid costly surprises.
We will:
- Review the contract and seller documents, and raise enquiries to protect your position
- Advise on specific buy-to-let mortgage conditions
- Apply for searches and check for restrictions affecting your rights as a landlord
- Ensure the property complies with safety and licensing requirements (including HMOs)
- Explain your ongoing landlord obligations and potential liabilities
- Draft and review tenancy agreements
- Manage the registration process with HM Land Registry
If you encounter difficulties, such as tenant disputes, our wider team of litigation specialists can also provide experienced and expert support.
Talk to our buy to let solicitors today
At Owen White Catlin, we combine specialist legal knowledge with a personal, client-focused service. Whether you’re purchasing your first investment property or managing a growing portfolio, we’ll give you the reassurance and practical support you need to invest wisely.
Contact us today via our online enquiry form or call us directly on one of our office numbers and a member of our property team will be happy to help.
Common questions about buy-to-let
The process of buying a buy-to-let property is similar to standard residential conveyancing, but with some important differences. Our solicitors will guide you through each stage, liaise with your lender and other parties on your behalf, and make sure you’re fully aware of your rights and obligations as a landlord before exchange and completion.
Possibly, buy-to-let mortgages usually require a larger deposit than standard residential mortgages, often between 20% and 40% of the property’s value. Lenders may also impose stricter conditions, such as proof of rental income covering a certain percentage of the mortgage repayments. We’ll help you understand your lender’s requirements so there are no surprises along the way.
The rules on SDLT are complex when purchasing an additional property, or a property via a corporate entity. We recommend you take specialist advice on your tax position when considering a buy-to-let property.
As a landlord, you’ll need to comply with a range of legal obligations before you can let out your property. These may include:
- Gas and electrical safety certificates
- Energy Performance Certificates (EPCs)
- Fire safety checks
- Compliance with licensing requirements (for example, if the property is a House in Multiple Occupation)
- Protecting the tenant’s deposit properly and appropriately
We’ll make sure you’re aware of the requirements that apply to your property so you can let it legally and with peace of mind.
Yes, there is a wide range of tax consequences, particular to your specific or individual circumstances. Specialist tax advise should be taken at the earliest opportunity.