If you own 4 or more mortgaged buy-to-let properties, you're classed as a portfolio landlord. Lenders then assess your aggregate debt, cash flow and ICR across the whole portfolio - not just the new property. We model the full picture so your application stands up.
The portfolio assessment
Lenders want a portfolio spreadsheet: each property's value, mortgage, rent and ICR, plus aggregate debt and cash flow. We prepare this to each lender's format, flagging any property that drags the portfolio below the stress threshold.
- Full portfolio spreadsheet prepared
- Per-property and aggregate ICR modelled
- Weak properties flagged before application
Lender choice for portfolios
Not all lenders accept portfolio landlords, and those that do have different aggregate ICR and cash-flow thresholds. We know which specialist lenders are most accommodating for larger portfolios.
- Lenders that accept 4+ property portfolios
- Aggregate ICR and cash-flow thresholds compared
- Specialist portfolio-friendly lenders identified
