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Buy-to-let policy

Top slicing uses a customer’s spare personal income to boost their borrowing amount, by allowing a lower ICR than we may otherwise allow.

We consider top slicing for non-portfolio landlords up to 75% LTV where the term finishes before the 76th birthday.

Top slicing requires a minimum combined personal income of £50,000 (excluding income received from BTL properties).

Top slicing using personal income can be considered if rental income meets a minimum of 100% at the higher of 5.5% or pay rate + 2%.

Affordability calculator

Our affordability calculator will let you know how much we could lend.

It will first look at whether we could lend the amount requested using our stressed ICR rental cover assessment.

If we can’t get to the amount you need but our top slicing assessment might help, it will then ask for personal income details.

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