Usually 10–20% plus purchase costs, though many investors use equity in their home instead of cash. We work out what's available and the cheapest way to use it.

Often, yes. We set it up as a separate loan split so your home and investment debt stay clearly separated, which keeps things tidy for tax and future refinancing.

It depends on your cash flow, tax position and plans. Interest-only lowers repayments for a set period but costs more over the life of the loan. Your accountant can advise on the tax side.

Most lenders count only part of the expected rent when assessing your borrowing power, and the percentage varies. Choosing the right lender can make a real difference.

It's when one loan is secured by more than one property. It can limit your flexibility later, so we usually structure each property as stand-alone security.