Portfolio Landlord & Non Owner Occupier Affordability Calculator

Eligibility Requirements to use this Calculator – PLEASE READ:

Portfolio landlord applications: Purchase, Remortgage with additional borrowing.

All First-time buyer First-time landlord OR Non-owner-occupier applications (Small or Portfolio landlords).

Portfolio landlord definition: 4 or more Buy to Let or Consent to Let mortgaged properties as at completion of this application.

What are you looking to do
Mortgage Details

Minimum Loan Size £25000. Minimum purchase price/valuation £50000.

Mortgaged Property Details

Maximum LTV – We will lend 75% of the lower of purchase price or valuation per property. For new builds – 65% of the lower of the purchase price or valuation per property.

Any property built, first occupied in its current state or significantly modernised, refurbished or altered within the last 2 years
If joint application select the highest band between the two customers. If the customer is unsure please ask them to refer to the HMRC website for support.
Applicant 1
See "Acceptable Income Types" for examples of Other Income and definition of Guaranteed & Discretionary Bonuses

Total monthly unsecured loan commitments where term remaining exceeds 6 months (include any PCP payments see A-Z for additional details).

Total credit card balances remaining after mortgage completion.

E,g. Child Support, private school fees or other dependants’ costs (e.g. expenditure for the care of elderly relatives and/or children such as nursery and child minding fees.

See “Committed Expenditure” for examples of Other Committed Expenditure
Dependent Details

Include all existing dependents and any known under 18 expected increases.

Existing Property Details