Need flexibility for your portfolio landlord cases?

Solution Found.

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We can help with your portfolio landlord cases:

Watch the video below to discover how we can help you with your portfolio landlord clients in 30 seconds. 

Key Points

Assessment period

Assessment is valid for 6 months making additional applications easier

No limits

No limit to portfolio size, subject to maximum borrowing of £3m with us

No business plans

No business plans needed

Flexible Criteria

All our products are available to portfolio landlords, with flexible criteria

No Statements

No asset liability statements needed

Bespoke stress test

Custom tests for the background portfolio

Simple forms

Simple forms and process times are the same as any non-portfolio cases

Specialist property

HMOs, MUBs and short term lets

What we require from brokers to submit a portfolio case:


Our definition of a portfolio landlord is someone with four or more mortgaged properties.

We believe the simplest solution is to just look at the existing portfolio’s leverage, loan to value (LTV) and coverage.

All we require is a spreadsheet, showing details of the portfolio. We use this, along with automated valuation models (AVMs) and other background checks, to focus more on the concentration of the portfolio, undertake bespoke stress tests and ensure that the aggregate portfolio is 75% or less.

At DIP stage we will require a summary of the portfolio, including:

  • Total number of properties in the same postcode
  • Value of the properties
  • Loan amounts for the properties
  • Rental income for each property
  • Details for new loan

At FMA stage we will require details for all the properties in the portfolio. There is no need to submit business plans and liability details.

What would you like to do next?

Individual product guide

Limited company product guide

Need to place a case with us?

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More from us

Our news

Reduced buy to let rates and new products

We have launched two new five year buy to let fixed rate products and cut a series of rates across other products in their range.

Our news

Landlords proceeding with caution

Recent market intelligence shows that in September 2019 there were almost as many searches for 2 Year Fixed BTL products as there were for 5-year fixes on Twenty7Tec: 47,000 vs 51,000 and in October also when this split was 51,000 for 2 year and 57,800 for 5-year fixes.

Industry views

Stats to influence your buy to let business

The mortgage market is certainly no stranger to data, market research and indices. They are vital from an internal and external business perspective. They allow us to evaluate what we as a specialist lender are doing right and what we are doing wrong. They offer us an insight into the minds of our landlord clients and our intermediary partners. They can also highlight what our competitors are doing – again good and bad – and provide an overview of market conditions in areas which might not yet be included within our core business.