Non-portfolio landlord criteria

Applies to non-portfolio landlord products only

How does Landbay determine if a case should be treated as a small portfolio landlord application?

Non-portfolio products are only available for applicants that have (at time of application) three or less mortgaged BTL properties (either together or separately).

• Minimum loan size £75,000
• Maximum loan size £1,000,000
• Maximum 75% LTV
• Available to limited companies and individuals
• Exclusions: Properties above or adjacent to commercial premises (applies to
  flats & houses), ex-local authority properties and new build properties
• Excludes HMOs and MUFBs
• Maximum two borrowers (individuals or directors)
• Minimum combined income £25,000