Skip to content
Trustpilot
purbeck-background-swirl

Taken out a personal guarantee on your buy to let mortgage?

Then you need buy to let personal guarantee insurance! Protect up to 80% of your risk, confidently invest in your property portfolio and keep your personal assets safe.

To Let sign advertising property. Illustration.
NACFB Helping fund UK Business. image001 (1)-1 FIBA Member.

The personal guarantee insurance experts

We understand that signing a personal guarantee can leave you feeling exposed. 

That’s why we pioneered personal guarantee insurance for buy to let mortgages, to allow you to invest in your property portfolio safe in the knowledge that 80% of your risk is covered by your bespoke policy. 

See what policy holders are saying about Purbeck’s personal guarantee insurance.

See our reviews
Couple being shown an empty house by a real estate agent.

Benefits of buy to let personal guarantee insurance

As a landlord or limited company, you don’t want personal guarantees holding you back. 

Personal guarantee insurance is the best way to ensure your personal assets remain safe as you invest in buy to let property.

Rapid turnaround policies

Get an instant no obligation quotation through our quote and buy system, meaning you can focus on doing what you do best.

icon-2

Invest smarter

Having personal guarantee insurance in your corner allows you to invest in the property you want, at the time you want, without fear of losing personal assets.

Icon-4

Cover 80% of your risk

If the sale of your property doesn’t cover what you owe, we’ll ensure that you don’t need to lose your home to repay your mortgage.

But-to-Let Personal Guarantee Insurance FAQs

How does Buy-to-Let Personal Guarantee Insurance work?

Buy-to-Let Personal Guarantee Insurance (PGI) is specialised insurance designed to protect landlords who have taken out loans to purchase rental properties and provided a personal guarantee. 

In many buy-to-let financing arrangements, lenders require a personal guarantee, meaning that if the rental property or business venture is unable to repay the loan, the landlord’s personal assets may be at risk to cover the outstanding debt.

With Buy-to-Let PGI, landlords gain a financial safety net that covers a portion of the personal guarantee amount in the event of a default. This insurance typically covers a percentage of the loan, providing peace of mind if the rental income does not meet expectations. 

By securing Buy-to-Let PGI, landlords can mitigate the financial risk associated with personal guarantees and focus on growing their property portfolios.



Who can apply for this type of insurance?

Buy-to-Let PGI is available to landlords and limited companies who have personally guaranteed loans for their buy-to-let properties. 

This insurance is ideal for those who want to shield their personal assets from the financial risks associated with buy-to-let investments, especially in unpredictable property markets.

Directors or owners of limited companies involved in buy-to-let investments can also benefit, as this insurance allows them to focus on managing and expanding their rental portfolios without the concern of personal liability.



What does this insurance cover

Buy-to-Let PGI provides coverage of up to 80% of the personal guarantee amount if the rental property or business venture defaults on the loan. This provides landlords with essential financial security and makes it easier to navigate the challenges of property investment.

When you sign a Personal Guarantee we understand it’s more than just your signature on the line

Happy clients who use Purbeck