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Generally, if you are looking to purchase a house that is ready to rent you will need 25% deposit. Depending on market conditions occasionally 20% may be acceptable.
We have lenders that will allow you to purchase a buy to let even if you do not own your own property but you must be able to demonstrate that you will not immediately move into the property to live.
No, depending on economic conditions it may be more tax efficient to do so but it is not a necessity. We work closely with skilled accountants that can advise you on that.
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