Buy-to-Let Topslicing

Every case is reviewed manually, and if there is a shortfall in rental income for the affordability assessment we are here to help.

If the mortgage is not self-supporting at the stressed rate and top slicing is to be considered, the shortfall in rental income must be assessed as coverable by the borrower’s personal income.

Please note:

• Top slicing is available on all our BTL products except Visa BTL.
• The rental income must meet the minimum ICR allowable for top slicing of 100%.
• Top slicing is not available to portfolio landlords (having four or more rental properties currently mortgaged).
• Top slicing can also be considered on Joint Borrower Sole Proprietor (JBSP) mortgages.

If you have any questions or wish to discuss the eligibility of your case for top slicing, please contact our Telephone BDM Team using the details below.