You Don’t Always Need a Salary for a Buy to Let 🤯 Yes…really. Some buy to let lenders don’t have a minimum personal income requirement. What they focus on instead is whether the property stands up on its own. Here’s how it usually works: ✅ The rental income is the main focus ✅ The rent must comfortably cover the mortgage (stress tested) ✅ A 25% deposit is typical (this can vary by lender) ✅ Credit history and overall profile still matter In the right scenario, even with little or no personal in
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REVEALED: The Median Salary By State in 2025 | Episode | Money Guy
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Why Commitments Matter More Than You Think One of the biggest surprises in a mortgage application is how much existing commitments can affect affordability, even with a strong income. This isn’t judgement. It’s simply how lenders assess risk. Affordability isn’t just about what you earn, it’s about what goes out. That can include: • Loans and credit cards (even if cleared monthly) • Car finance or PCP agreements • Child maintenance or childcare costs • Student loan deductions • Salary sacrifice
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