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Free tool for UK landlords

BTL Mortgage Fact-Find

A structured questionnaire covering what most buy-to-let lenders ask for. It flags criteria issues as you go and builds a PDF for your broker. Everything stays in your browser, nothing is sent to us.

Step 1 of 7

1. Personal Details

These are your own details. Every field is optional, so leave anything blank that you would rather the broker collected directly.

Your details

If you are a director of your own limited company, select 'Self-employed'

Income (Annual)

Enter only income you can evidence with P60, payslips, or SA302

Your current address

Property Ownership Experience

2. Credit & Financial Position

Current Credit Commitments

List all credit cards, loans, HP agreements, and other mortgages (excluding the main residential mortgage listed in Section 1)

Adverse Credit History

Source of Deposit

Select all that apply

Limited Company Details

3. Subject Property Details

Property Details

Property Accommodation

Check rental values on Rightmove →

Check your EPC rating →

Property Quirks

Select any that apply to this property

Tenancy

4. Existing Portfolio

List any other BTL properties you currently own (not including the subject property)

Got a larger portfolio? Rather than listing them all here, you can build a full schedule in the portfolio analyser, which produces its own PDF and Excel with per-property and portfolio-level stress testing, and send that alongside this fact find as a separate document.

Portfolio Summary

Properties 0
Total Value £0
Total Debt £0
Monthly Rent £0
Portfolio LTV -
ICR @ 5.5% stress -

Portfolio LTV is total debt against total value (most lenders cap background portfolios around 75%). Portfolio ICR is an estimate: total monthly rent against interest on total debt at a 5.5% stress rate, with most lenders looking for at least 125%.

5. Mortgage Preferences

6. Additional Notes

Include any unusual circumstances, planned changes, or additional context relevant to your application.

7. Assessment

Common questions about applying for a buy to let mortgage

What documents do I need for a buy to let mortgage?

Lenders usually want proof of who you are and where you live, proof of income, and details of the property and your deposit. In practice that means photo ID and a recent utility or council tax bill, your last few months of payslips or, if self employed, a couple of years of tax calculations, recent bank statements, and the latest statements for any mortgages you already hold. If your deposit is a gift, the lender will also want to see where it came from. This fact find walks through each of these so you have them ready.

What does a mortgage broker need from me before they can start?

A broker mainly needs an honest picture of your situation: your income and job status, the property and what it should rent for, your deposit and where it is coming from, and details of any property you already own. The clearer and more complete that is at the start, the fewer surprises later. The PDF this tool produces is built to hand straight to a broker with those details in one place.

How long does a buy to let mortgage take?

A straightforward buy to let often takes around four to eight weeks from application to offer, with completion a little after that. More complex cases, such as a portfolio landlord or a limited company, can take longer, sometimes six to twelve weeks, because there is more for the lender to check. Having your paperwork ready up front is one of the few things genuinely within your control to speed it up.

What is a mortgage fact find?

A fact find is the set of questions a broker or lender works through to understand your circumstances before recommending or arranging a mortgage. It covers you, your income, the property, the deposit and any existing portfolio. Filling one in yourself first means you arrive prepared, spot any gaps early, and save going back and forth later.

What extra do limited company or portfolio landlords need to provide?

A limited company application usually also needs the company details from Companies House and, where it has been trading, its business bank statements, with the directors still assessed on their own income. Portfolio landlords are normally asked for a schedule of all their properties, with values, balances and rents, so the lender can assess the whole portfolio. This fact find has sections for both, so the right details are captured from the start.

Information only, not advice. This fact-find helps you gather and organise the details a lender typically asks for. It does not assess affordability or recommend a product, and it is not a mortgage application or financial advice. Your answers stay in your browser and are used only to build a PDF on your device, nothing is sent to or stored by BTL Insight.