If your client is looking to grow their Buy to Let property portfolio we can help. Flexibility and expertise come together in our range of Experienced Landlord mortgages. We don’t want to put limits on your client’s aspirations so there’s no requirement for minimum incomes from existing landlords, and no property portfolio limits either.
Full time landlords
No minimum income required for existing landlords
No business plan required
Up to £2m lending with Kensington
There is no overall portfolio limit. Maximum portfolio size with Kensington is £2 million. A maximum average LTV
cap of 90% is applied across a landlords entire portfolio (regardless of size).
We require portfolio landlords with 4 or more properties to complete a portfolio summary. Please visit our documents page for our portfolio summary template.
The portfolio summary should only include properties owned by the individual/ legal entities applying for the application. For instance if an application is in personal names only properties owned by those applicant(s) should be included not those owned within an associated Limited Company and vice versa.
Excess portfolio affordability can be used to assist with affordability, for the applied for loan.