What does Fraser Bond do?

Fraser Bond is a London property consultancy established in 1983. We provide residential and commercial real estate services including agency, lettings, investment, development consultancy, property management, lease advisory, valuation, and portfolio management to private clients, companies, institutions, and governments in the UK and internationally.

Does Fraser Bond help with property investment in London?

Yes. Fraser Bond has a dedicated Central London investment agency team covering all aspects of acquisitions and disposals, including securing funding and sale-and-leaseback arrangements. We have completed transactions worth over ten billion pounds.

Does Fraser Bond handle commercial property?

Yes. We provide commercial property agency, management, development consultancy, lease advisory, business rates advice, tenant representation, and expert witness services across office, retail, industrial, and alternative commercial sectors throughout the UK.

Can Fraser Bond manage my property portfolio?

Yes. Fraser Bond provides full portfolio management for residential and commercial property portfolios, including lettings, asset management, performance reporting, and disposal strategy for private and institutional investors.

Does Fraser Bond assist overseas investors buying UK property?

Yes. We have a dedicated international real estate service for overseas and foreign clients seeking to invest in UK property. We identify opportunities, guide the acquisition process, and provide ongoing management.

Does Fraser Bond carry out property valuations?

Yes. We provide RICS-compliant valuations for residential and commercial properties for acquisition, disposal, loan security, insurance, tax, and accounting. Contact info@fraserbond.com to arrange a valuation.

How do I contact Fraser Bond?

Fraser Bond is located at 60 Blandford Street, Marylebone, London, W1U 7JD. Call us on +44 (0)20 4519 3989 or email info@fraserbond.com. You can also use the contact form at fraserbond.com/contact-us.

Buy-to-Let Mortgage on a Vacant Property

Updated October 2026 · Fraser Bond

Mortgages · Buy-to-let

BTL mortgage on a vacant property

Rentalvaluation

ICR125–145%

Habitablecondition

Bridgingif not

In short: Lenders will usually lend buy-to-let on a vacant property if it's in habitable condition and the expected rent passes their interest cover test, often 125% to 145% of the mortgage interest at a stress rate. The lender's valuer will estimate the rent; a letting agent's written rental valuation helps. If the property needs work, such as a new kitchen or bathroom, you may need bridging finance first and then refinance. Fraser Bond can provide a rental valuation and find a tenant.

Rent needed

Loan (£)

Stress rate (%)

Cover required (%)

Minimum monthly rent–

Lenders' tests vary.