New rules on mortgage borrowing for 'portfolio' landlords

September 30, 2017

As of today, lenders will be applying more stringent criteria to mortgage applications from landlords with four or more buy to let properties. Essentially, they will consider the portfolio as a whole and will require more detailed information from landlords to ensure that the total borrowing does not exceed 75% of the portfolio’s value.


New considerations on the mortgage application will include:

  • Whether properties are tenanted

  • The repayment type of existing mortgages held

  • How many mortgaged buy to let properties the landlord holds

  • The length of time they have been a landlord.


Click the image below for more information via a recent blog, written in conjunction with Mortgage Advice Bureau:








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