Buy-to-Let Topslicing

Every case with us is manually reviewed  – if there is a shortfall on rental income we are here to help.

To topslice if the mortgage is not self-supporting at the stressed rate, the shortfall in the rental income received, and the rental income required, must be covered by the borrower’s personal income using a net free pay calculation.

We will also take into consideration the personal expenditure when completing this calculation. To see if your case is eligible for topslicing, please contact our team using the details below.

Please note:

• Topslicing can also be considered on Joint Borrower Sole Proprietor (JBSP) and non-owner cases
• Topslicing is unavailable on a 5-year fixed product
• Must be submitted on a Buy to Let (BTL) Topslicing product
• Topslicing is unavailable to portfolio landlords

If you have any questions, please contact our Telephone BDM team using the details below.