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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