Portfolio Landlord Mortgages & ICR
A portfolio landlord mortgage is a buy-to-let mortgage made to a borrower classified as a portfolio landlord under the PRA SS13/16. The classification applies once the borrower holds four or more distinct mortgaged buy-to-let properties, in aggregate across personal names and limited companies. Once that threshold is reached, lenders typically apply portfolio-wide assessment rather than
Portfolio Landlord Mortgages for UK Expats and Overseas Landlords
A portfolio landlord mortgage is the buy-to-let product expected by UK lenders once a borrower crosses the four-property threshold set by the Prudential Regulation Authority (PRA). For UK expats and non-resident investors building a UK property portfolio from overseas, that regulatory shift sits on top of an already specialist application: lender pools narrow, documentation expands,