We’ve introduced two significant policy enhancements designed to give brokers greater optionality and support portfolio-building landlords.
What’s New?
Intercompany loans now considered as a deposit source
We’ll consider intercompany loans for BTL SPV applications, provided the applicant is an equal or majority shareholder in the trading company supplying the deposit. The change recognises the way many professional landlords structure their businesses and offers a pragmatic solution that better reflects real-world funding models.
Aggregate exposure limit increased to £7.5m
We’ve raised its maximum aggregate exposure per borrower from £4 million to £7.5 million, enabling larger-scale investors to place more of their portfolio lending under one roof. The uplift supports brokers working with established landlords seeking to refinance, consolidate, or expand.