Don’t let complexities slow your ascent as a portfolio landlord. Consult our buy-to-let experts and uncover opportunities perfectly aligned with your ambitions and rental strategy.
A portfolio landlord is defined as a borrower with 4 or more mortgaged buy-to-let properties.
This portfolio landlord definition applies at the mortgage application level, not per applicant.
For joint applications, the total number of mortgaged rental properties owned individually and together is considered.
Other in-flight buy-to-let mortgage applications with Accord and other lenders are included in the count.
The portfolio landlord status impacts borrowing criteria like rental income requirements, ICR, LTV limits etc.
Why choose Expert Mortgage Brokers?
Specialists in portfolio landlord mortgages for multi-property investors.
Extensive broker panel of buy-to-let lenders tailored for portfolio borrowers.
In-depth expertise on rental income calculations, ICR, LTV, and borrowing criteria.
Skilled at evaluating your overall portfolio and securing the best rates.
Streamlined mortgage applications thanks to our portfolio landlord know-how.
Connect you with exclusive buy-to-let products not available on the high street.
Utilise bespoke BTL calculators to maximise your rental property returns.
Intermediaries experienced in complex borrowing scenarios for portfolio clients.
Rigorous analysis to match your mortgaged properties and borrowing needs.
Trusted advisors providing a seamless journey for portfolio growth.
Supporting documentation for portfolio landlords
In addition to the standard documentation required for any mortgage application, such as proof of identity and income verification, portfolio landlords will need to provide some supplementary information.
Our mortgage advisers will guide you through exactly what supplementary evidence is needed, when it should be submitted, and how to securely send it to us.
We aim to make this process as straightforward as possible while ensuring we have a comprehensive understanding of your overall property portfolio and finances.
Take the next step toward your portfolio success
You’ve built an impressive portfolio of rental properties, but why stop there? Together we can unlock new levels of growth and profitability.
Frequently asked questions on portfolio landlord mortgages
There is no limit on the total number of properties within a portfolio. However, the maximum number of mortgaged buy-to-let properties remains at 10. You can own an unlimited number of rental properties, but only 10 can have outstanding mortgage loans under our portfolio landlord criteria.
Yes, any other ongoing or “in-flight” buy-to-let mortgage applications you have with us or other lenders will be included in the total count of mortgaged rental properties within your portfolio. These are factored into our rental income calculations and overall portfolio assessment.
For portfolio landlord cases, we apply an interest coverage ratio (ICR) of 145% calculated against a stressed rate of 5.5%. This helps ensure your overall rental income can comfortably cover the mortgage payments across your entire property portfolio.
We do not assess the combined loan-to-value (LTV) ratio across your full portfolio of mortgaged properties. The LTV is only evaluated for the specific new buy-to-let mortgage you are applying for rather than your aggregate borrowing.
No, any unencumbered (mortgage-free) rental properties you own are not included when determining if you meet the portfolio landlord criteria of 4 or more mortgaged buy-to-lets. However, the rental income from those unencumbered properties is considered in our overall background calculations.
No, there is no maximum LTV cap applied to other existing mortgaged properties within your portfolio. We only assess the LTV for the specific new buy-to-let mortgage application based on the overall quality and risks of that particular case.
