Portfolio Landlords

Our no fuss approach to portfolio landlords

What is a portfolio landlord?

If your clients have four or more Buy to Let (BTL) mortgaged properties, they’re a portfolio landlord. This definition applies to sole and joint (or more) applications.


All of our standard BTL criteria still applies to the subject property on portfolio landlord applications. And there’s 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 assess that information but if we’re unable to validate it all electronically, we may ask you for further information.

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Our no fuss approach to portfolio landlords

A simple, straight forward process

Complete just one portfolio landlord spreadsheet which has automated calculations, and instantly see if the application fits our criteria.

Standard policies for portfolios

No bespoke criteria to wade through. Our standard BTL policy and simple ICR criteria also applies to portfolio landlords.

An experienced team to support you

You can rely on a specialist team of portfolio landlord underwriters.  Our experts really understand the market and ensure quick case progression for your clients.

We know your time is precious

That's why there's no need to do an AIP, or submit a business plan. Just go straight to full application.
To view our exclusive portfolio landlord range filter by customer type on our BTL product range.

How to apply


Fully complete the Buy to Let portfolio document
Provide the full address of all properties in the portfolio, including any unencumbered properties. 


Go straight to full mortgage application
There’s no need to complete an AIP unless you have concerns over your customer’s credit profile.


Finalise your application
Upload your application and Buy to Let portfolio documents to the case or email it to us at

Some things you should know:

If your client applies for a product transfer, transfer of equity, porting or further advance with us, you’ll need to complete the appropriate Buy to Let portfolio document in full. We’ll assess this under our portfolio landlord policy.


You can complete our BTL portfolio document in Excel (recommended) or PDF.

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Portfolio landlord factsheet

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BTL criteria

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BTL portfolio document

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