Mortgages
We're pleased to introduce Nick Coupe as our trusted mortgage advisor working in partnership with 365 invest
Meet Your Broker
Nick Coupe – BA (Hons), CeMAP, Mortgage Broker
Nick specialises in helping clients secure funding for all types of investment properties, supporting everyone from first-time landlords to seasoned portfolio investors. He provides clear, practical guidance throughout the process, comparing lenders, explaining criteria, and outlining timelines and costs so clients can make informed decisions with confidence.
His expertise covers a range of ownership structures, including personal names and limited companies. Nick helps clients understand the benefits of each option and choose the structure that best aligns with their long-term goals. From agreement in principle through to offer, he stays closely involved, managing communication with lenders and keeping clients regularly updated.
With extensive experience arranging finance for buy-to-let properties, Nick delivers tailored solutions that reflect each client’s investment strategy and risk profile. Whether the aim is steady rental income, portfolio growth, or long-term wealth building, he offers thoughtful, strategic advice to help clients achieve the best results.
Known for his friendly and approachable manner, Nick is valued for his clarity, patience, and genuine commitment to each client’s outcome. By combining strong market knowledge with a transparent, client-focused approach, he ensures a smooth lending experience and helps investors move forward with confidence.
Frequently Asked Questions About Buy to Let Mortgages
- What are buy to let mortgages in the UK?
Buy to let mortgages in the UK are specialist lending products designed for investment property, with affordability assessed primarily on projected rental income rather than personal salary alone. Lender criteria typically include rental stress testing, minimum deposit requirements and credit assessment, which differ from standard residential mortgages.
- How do buy to let mortgages work?
Buy to let mortgages are most commonly structured on an interest‑only basis, meaning monthly payments cover the interest while the original loan balance remains outstanding until the end of the term. Lenders apply rental stress tests to ensure the expected rent covers mortgage payments at a notional interest rate, with final approval based on deposit size, income and credit history.
- How much deposit do I need for a buy to let mortgage?
In the UK, deposits for buy to let mortgages are typically 20–30% of the purchase price, depending on lender criteria and borrower profile. A larger deposit may provide access to a broader range of products, although availability and rates vary with market conditions.
- How is rental income assessed for buy to let mortgages?
Lenders assess rental income using a stress‑testing calculation, usually requiring the projected rent to exceed the mortgage payment by a specified margin. The exact ratio depends on lender policy, interest rate assumptions and whether you are applying personally or through a limited company.
- Can I get a buy to let mortgage on an off‑plan property?
Yes, many UK lenders offer buy to let mortgages for off‑plan property, although applications are typically submitted closer to completion. Approval depends on the valuation at completion, rental assessment and your financial circumstances at the time of underwriting.
- Can I apply for a buy to let mortgage through a limited company?
Yes, many investors purchase through a limited company structure, often referred to as a special purpose vehicle (SPV). Lender criteria differ between personal and limited company applications, and tax treatment should be discussed with a qualified accountant before proceeding.
- What fees are associated with buy to let mortgages?
Buy to let mortgages may include arrangement fees, valuation fees and broker fees in addition to interest payments. The overall cost of borrowing depends on interest rate, loan‑to‑value ratio and the specific product selected.
- Do I need a specialist broker for a buy to let mortgage?
Buy to let mortgages are a specialist area of lending with varying rental stress tests, limited company criteria and product structures. 365 Invest introduce experienced authorised mortgage brokers who can assess suitable options based on your circumstances and the property being purchased.
