Investors who can show they have a solid, long-term strategy in the private rented sector are more likely to secure mortgage finance in the current economic climate, experts have said.

According to the National Landlords Association, buy-to-let mortgage lenders are being more risk-adverse with their borrowing, meaning private landlords might have to face loan-to-value rates of around 65 to 75 per cent.

"Landlords need to show that they aren't looking for mortgages based on a risky lettings business,"the landlord advice body said.

This view was backed up by mortgage lender Birmingham Midshires, which explained that "conscientious"investors with "sound borrowing requests"could be supported financially.

However, borrowers whose loan-to-value provides them with "breathing room", will be better placed, the bank added.

The comments come amid calls for greater financial support for the buy-to-let sector, after the number of mortgage products has fallen since the onset of the credit crunch, even though rental demand has increased.

Indeed, research from the Intermediary Mortgages Lenders Association showed that eight out of ten Britons who failed to obtain mortgage finance in 2008 opted to rent instead.ADNFCR-2002-ID-19054623-ADNFCR

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