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The Foundation of Every Investment At the heart of every thriving rental property lies a buy-to-let mortgage — a financial instrument that transforms regular savings into significant growth potential. While the term may be well-known, buy-to-let (BTL) mortgages operate quite differently from the residential loans most individuals are accustomed to. They adhere to a distinct set of guidelines, focusing not on your salary but on the rental income generated by the property and i

Why This Number Decides Your Deal If you’ve ever compared mortgage products, you’ve seen it everywhere—“up to 75% LTV” or “maximum 60% LTV”. But what exactly does it mean, and why do lenders care so much? At Genius Academy , we often say: your LTV tells your lender how much skin you have in the game. It ’s a simple ratio that reveals how much of a property’s value is funded by debt versus your deposit. Understanding LTV helps you borrow strategically, manage risk, and even ne

It’s More Than Just the Deposit Most buyers focus on saving for their deposit , but that’s only part of the picture. Behind every property purchase lies a set of hidden costs  that can add thousands to your total spend. At Genius Academy , we believe transparency is key. Understanding these costs upfront helps you budget wisely, negotiate confidently, and avoid last-minute financial stress. Why These Costs Matter Whether you’re buying your first home or expanding a portfolio,