Portfolio landlord underwriting changes

View our guide to the changes

Along with other buy-to-let mortgage providers we will adopt the new Prudential Regulation Authority (PRA) underwriting standards for Portfolio Landlords in September 2017. The changes will mean more in-depth portfolio and affordability assessments across the market and lenders will need to apply a specialist underwriting approach.

As a specialist bank, we are already recognised as a lender who provides specialist underwriting and we are committed to continuing lending to buy-to-let landlords, with portfolios of all shapes and sizes.

To help brokers and landlords understand the changes they should expect across the market, we have created a short guide with a summary of the new classification of portfolio landlords and what the new underwriting and affordability checks mean in practice. 

 Intermediaries only:

We have also created a packaging guide for our intermediary partners. View our update for intermediaries