Buy To Let Conveyancing Solicitors

Buy to Let Solicitors

Purchasing a ‘buy to let’ property is a popular investment in the UK, allowing you to buy a property and rent it out to a tenant. This can provide a source of income, as well as a hopeful return on your investment if you decide to sell.

However, purchasing a buy-to-let is different to purchasing a standard residential property. For example, buy to let mortgages typically have different terms, higher rates of stamp duty land tax (SDLT) are payable, and you have certain responsibilities to uphold as a landlord.

It’s important to work with an experienced buy to let conveyancing solicitor to help you navigate the transaction with ease and ensure everything is completed correctly. We’ve assisted thousands of clients on their property journeys, so you can be assured you’re in safe hands.

Get in touch today or read on to find out more about how we can assist you.

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Buy to let conveyancing specialisms

See how our buy to let solicitors can help you.

Buy to let conveyancing
Buy to let conveyancing
Buy-to-let transactions are often more complex than standard conveyancing matters, so it pays to have an experienced lawyer by your side. We will guide you through the entire process, whether this is your first buy-to-let or you’re a seasoned investor. From advising you of any restrictions to dealing with property registration, we’ve got you covered.
Efficiency is often key with these types of transactions, and we will work diligently and effectively to help your matter complete on time.
Buy to let mortgages
Buy to let mortgages
Buy to let mortgages come with different terms compared to conventional residential property mortgages. For example, they typically come with higher interest rates, stricter loan-to-value ratios (so higher deposits are required), and more stringent stress testing for affordability. This is because they can be seen as higher risk by lenders, as there is a chance the property may be unoccupied by a tenant for some periods of time.
Our buy to let conveyancing solicitors will ensure you understand the terms of your mortgage and that you have everything in place to comply with the conditions, helping your transaction run as smoothly as possible.

Buy to let conveyancing

Buy-to-let transactions are often more complex than standard conveyancing matters, so it pays to have an experienced lawyer by your side. We will guide you through the entire process, whether this is your first buy-to-let or you’re a seasoned investor. From advising you of any restrictions to dealing with property registration, we’ve got you covered.

Efficiency is often key with these types of transactions, and we will work diligently and effectively to help your matter complete on time.

Buy to let mortgages

Buy to let mortgages come with different terms compared to conventional residential property mortgages. For example, they typically come with higher interest rates, stricter loan-to-value ratios (so higher deposits are required), and more stringent stress testing for affordability. This is because they can be seen as higher risk by lenders, as there is a chance the property may be unoccupied by a tenant for some periods of time.

Our buy to let conveyancing solicitors will ensure you understand the terms of your mortgage and that you have everything in place to comply with the conditions, helping your transaction run as smoothly as possible.

Setfords’ Approach to Buy to Let Conveyancing

Setfords is one of the largest residential property firms in the UK, with hundreds of expert conveyancing lawyers available to assist with all kinds of property transactions. With over 10,000 five-star reviews on Trustpilot, you can be assured that you’re in safe hands.

We are also a full-service law firm, so we can advise on all other major areas of law, including tax advice, planning, corporate law, and more. What’s more, we believe in transparent communication, so you can expect regular updates and open dialogue throughout your case.

Get in touch to work with one of our expert buy to let solicitors today.

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Buy to Let Solicitors

Ada Oliva
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Ajesh Brar
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Adil Vittachi
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Alex Riley
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Afreen Mhar
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Alena Aston-Dive
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Agatha Edeko
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Aga Scott
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Buy to Let Conveyancing FAQs

What is buy to let conveyancing?
Buy to let conveyancing is the legal process involved in buying a house with the specific purpose of renting it out to tenants.
Your buy to let conveyancer will take care of the entire legal process of transferring ownership from the previous owner to you, taking into account all of the unique aspects of purchasing a buy-to-let investment.
Can you live in a buy to let property?
Buy to let properties are purchased with the intention to let them out to a tenant.
If the property doesn’t have a mortgage, you can choose to live in your own buy to let property. Ensure that any tenants in place are evicted legally before you do so.
However, if the property has a buy-to-let mortgage, you cannot live in the property without risking serious consequences, as it can amount to fraud. This is because buy to let mortgages are usually closely linked to the rental income the property is expected to generate, which isn’t possible without a tenant in place.
If you want to live in your buy to let property, the first thing you should do is consult with your mortgage lender, who will be able to advise you further.
How does stamp duty work for buy to let properties?
Buy to let properties usually count as second homes, whether you have just one or a large portfolio. As such, purchasing a buy to let property incurs extra stamp duty charges on top of the regular rate of stamp duty that must be paid.
This stamp duty surcharge applies to any property purchase that’s not your main residence (including holiday homes and second homes).