Paul's guides
Plain-English buy-to-let, by Paul.
Start with the structure question, then dig into the property type, affordability, and borrower-profile guides that match your situation. Paul keeps it short.
Structure
Limited company vs personal name
Paul on the tax, mortgage and exit trade-offs every landlord should weigh before buying.
Read the guideAffordability
ICR & stress tests, explained
Why rent has to clear a multiple of interest — and where lenders differ.
Read the guideProperty type
HMO & MUFB basics
When you scale up, the criteria and the lender shortlist both change.
Read the guideProperty type
Holiday let / short-term let mortgages
Seasonal projections, lender appetite, and what makes a property bankable.
Read the guidePortfolio
The portfolio landlord rules
Four-property threshold, background portfolio tests, and the lenders that play.
Read the guideBorrower profile
Expat & non-UK resident BTL
Country lists, income gating, and the (small) shortlist of lenders that will look at you.
Read the guide