We have a streamlined and straightforward application process and here’s why:
Complete just one portfolio landlord spreadsheet which has automated calculations, to confirm if the application fits our criteria
That’s why there’s no need to do an AIP, just go straight to a full application and there’s no need to submit a business plan
That’s why our standard BTL policy and simple ICR criteria also applies to portfolio landlords
We have a dedicated team of portfolio landlord underwriters that really understand the market and ensure quick case progression.
See our product range designed exclusively for portfolio landlords.
A portfolio landlord is a client who has four or more buy to let mortgaged properties. This definition applies to sole and joint (or more) applications. For more information, look at our factsheet (PDF 88KB)Opens in a new window.
All of our standard BTL criteria still applies to the subject property on portfolio landlord applications. And there is some additional portfolio landlord specific criteria to consider.
In every portfolio landlord case, you’ll need to provide us with information about all the properties in the applicant’s portfolio. We’ll fully validate that information but if we’re unable to validate it all electronically, we may ask you for further information.
Include the full address and postcodes of all properties in the portfolio, including any unencumbered properties. It’s important that you give us all the information we need and that you fully check your client’s properties against our criteria.
There’s no need to complete an AIP unless you have concerns over your customer’s credit profile.
Upload your application and Buy to Let portfolio document to the case or email it to us at email@example.com.
If your client has four or more mortgaged BTL properties, they’ll be defined as a portfolio landlord.
If they apply for a transfer of equity (PDF 182KB)Opens in a new window, porting or further advance with us, you’ll need to complete the appropriate Buy to Let portfolio document in full and they’ll be assessed under our portfolio landlord policy.
You won't need to provide a Buy to Let portfolio document if they're applying for a product transfer.
If you have restricted access to a network, or your platform won’t allow you to use the excel version: