Free buy-to-let mortgage questionnaire for landlords — covers the key information most lenders will ask for and highlights potential issues before you apply
Prepare your BTL mortgage application
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This free fact-find walks landlords through the key information a lender will typically ask for — from personal income and credit history to property details, tenancy type, and existing portfolio. As you complete each section, the tool automatically assesses your application against common buy-to-let mortgage criteria and flags anything that could restrict your lender options or affect the rate you're offered.
The questionnaire covers standard buy-to-let, HMO mortgages, multi-unit blocks, limited company buy-to-let, and holiday let finance. It highlights issues that often catch landlords out — such as portfolio landlord requirements, interest cover ratio (ICR) stress testing, leasehold quirks, EPC ratings, and non-standard construction — before they reach a lender's desk.
Note: Please add previous addresses to cover at least 3 years of address history.
Applicant 2 - Current Address
Applicant 3 - Current Address
Applicant 4 - Current Address
Property Ownership Experience
Note: First-time buyers purchasing BTL will need to explain to lenders why they are buying an investment property before their own residential home. Tax advice recommended: If you plan to purchase your own residential property later, consult a tax advisor as this may affect stamp duty relief eligibility.
Most lenders class landlords with 12+ months rental income as experienced
Mid-Range: First-time landlords may have some lender restrictions but many options remain available.
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
⚠️ Specialist Lender Required: Any adverse credit history will require a specialist lender. Options will be more limited and rates may be higher.
Source of Deposit
Select all that apply
Mid-Range: Gifted deposits may not be accepted by all lenders. A gift letter confirming the funds are a true gift with no repayment required will be needed.
Mid-Range: Not all lenders accept deposits from overseas. Evidence of source and transfer will be required.
