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What deposit is needed?

You often do not need any additional deposit. You will already have this in the property, now known as equity.


The house price may have increased since you purchased it, increasing the equity. Giving you lower LTV remortgages or some landlords choose to release this equity (to invest in further properties, renovate, etc..).


If the house price has decreased, this has eaten away at your equity. Meaning a higher LTV remortgage may be required.


The maximum LTV for a buy-to-let remortgage is 85% of the property value (15% equity required). If your LTV is higher than this, you may not be able to remortgage without investing more money.


The rental amount can limit the maximum remortgage loan amount achievable, requiring more substantial equity investment.


Our mortgage advisors can help you look at your overall position if that is to invest further or release equity.

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