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Struggling with ICR? Improve Your Borrowing Potential with Expert Advice
ICR is key to securing your investment loans. Learn how to manage and improve your Interest Coverage Ratio to maximise borrowing potential and meet lender requirements
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Get Approved Even with Irregular, Self-Employed, or Multi-Source Income
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Real reviews from landlords who value expert advice that aligns with their accountant's expectations
⭐⭐⭐⭐⭐ “Rated 5 Stars – Trusted by SPV Landlords” Real reviews from company directors and experienced investors who’ve used SPVs to secure tailored, tax-efficient buy-to-let mortgage solutions.
How Does ICR Impact Your Borrowing Potential?
What is Interest Coverage Ratio (ICR) and Why Does It Matter?
Interest Coverage Ratio (ICR) is a critical measure that lenders use to determine whether your rental income is sufficient to cover your mortgage interest payments. Understanding and managing your ICR is key to unlocking better mortgage terms.
A low ICR could mean:
Higher interest rates
Lower borrowing capacity
Rejected applications
If you’re struggling to meet the ICR requirements, you’re likely missing out on better rates and mortgage opportunities. Don’t worry, though — with expert advice, you can overcome these barriers and maximise your borrowing potential.
🏠 ICR Mortgage Help
Having trouble with ICR stress tests? Let’s talk about your options to secure the mortgage you need.
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Understanding the Interest Coverage Ratio (ICR)
Avoid Growth Limits by Understanding Lender Calculations
Many experienced landlords get declined or offered less than expected because:
The stress rate is cam be set as high as 7.5%, even if you’re fixing at 5%
The ICR threshold can be as high 175% — meaning your rental income needs to be much higher
You’re told to increase your deposit or reduce your loan, even when the numbers feel strong
You feel stuck — especially when refinancing or growing your portfolio
Secure Your Next Mortgage by Getting ICR Right
I work with landlords applying through SPVs or limited companies who want clear, strategic advice to overcome borrowing restrictions — particularly when it comes to the challenges of the ICR test.
I don’t just look at what lenders require; I take the time to understand your broader financial picture. That means structuring your mortgage in a way that satisfies lender criteria, optimises your tax position, and aligns with long-term business goals — all in a way your accountant would approve of.
Whether you’re expanding your portfolio or refinancing existing properties, I’ll help you navigate complex lending rules with tailored solutions that make financial sense — not just now, but in the years ahead.
Avoid These Costly Mistakes Property Investors Make
🔍 Complex company structures
I work alongside you to tailor your portfolio lending to your exact income setup—whether that’s salary, dividends, rental yield, or profits—ensuring that your borrowing potential is aligned with your true financial position.
🤝 Collaboration with Your Accountant for Smarter Structuring
I collaborate directly with your accountant to make sure the mortgage solution we choose complements your tax strategy. This ensures you’re not just approved, but optimised for maximum efficiency.
🧠 Experience That Helps You Avoid Delays and Dead Ends
With over 30 years of financial expertise, I’m skilled at overcoming complex lender criteria, steering clear of rejections, and connecting you with lenders who understand the intricacies of managing sophisticated property portfolios.
How I Help Landlords and Property Investors Manage ICR
📞 Need ICR Mortgage Advice Now
Get the expert advice you need right now — I’m here to help!
Call NowHi, I'm Lyndsey!
I help landlords with complex income and property investors navigate ICR challenges by tailoring mortgage solutions that align with your financial goals. With access to over 170+ lenders, including specialist lenders who understand the unique challenges landlords face, and over 30 years of experience, my focus is on securing the best mortgage rates for buy-to-let properties and optimising your borrowing potential, so you can:
Maximise your borrowing capacity: Access higher loan amounts to grow your property portfolio without compromising your financial stability.
Secure the best buy-to-let mortgage deals: Lock in competitive rates and terms that reduce your costs and improve your cash flow.
Avoid costly mistakes: Overcome complex lender criteria and ensure your mortgage aligns with both short-term and long-term goals.
Ultimately, I help you build a strategy that strengthens your investment position, reduces financial stress, and helps you move forward with confidence in securing the best mortgage options for property investors.
My mission?
Helping you secure the best mortgage deal, reduce your costs, and give you confidence every step of the way — all to achieve the best possible outcome for your financial future.
New to SPV Buy-to-Lets? Start Here
Not sure how to set up your SPV for buy-to-let? With lenders tightening their criteria, getting it wrong can cost you time, money, and missed opportunities. This guide walks you through 12 essential steps to help you get it right from day one.
Explore Related Buy-to-Let Strategies
Discover how property structure and lender rules affect your borrowing options.
Portfolio Landlord Mortgages
Own multiple properties? Learn how ICR applies differently across your portfolio and how to structure lending for scale.
Explore Portfolio Strategy →
Limited Company Buy-to-Let
ICR rules often differ for company borrowers. Discover tax-efficient options and how lenders assess affordability.
See Company Solutions →
SPV Mortgages
Using a Special Purpose Vehicle? See how SPVs help navigate ICR rules and lender expectations for buy-to-let investors.
Learn About SPVs →Real Case Studies of Landlords Improving Their ICR
🏡Case Study: Overcoming ICR Challenges to Secure Better Borrowing Terms
👩💼 Client Profile:
A property investor with a mix of self-employed income and rental income.
⚠️ The Challenge:
The client struggled with a low ICR due to fluctuating rental income and a complex income structure.
🔍 My Solution:
I worked closely with the client’s accountant and found a lender that offered a flexible ICR calculation, allowing them to borrow more.
✅ Outcome:
✔ Secured a loan at 3.5%
✔ Increased borrowing by £350,000
✔ Improved cash flow with lower monthly repayments
💬 Client Testimonial:
“As a portfolio landlord, I wasn’t sure if I could borrow enough to secure the buy-to-let property I had in mind. Thanks to Lyndsey’s expertise and access to specialist lenders, I was able to secure the higher borrowing I needed. I now own a solid investment property and have a clear strategy moving forward
Making SPV Mortgages Simple and Stress-Free — As Approved by Your Accountant
How to Get SPV Mortgage Advice in Just 4 Simple Steps
📞 Step 1: Book Your Complimentary Mortgage Review
Send an enquiry and I’ll give you a call to understand your situation and what you’re looking to achieve.
🔍 Step 2: I’ll Search Rates from Over 170 Lenders
I compare fixed-rate deals across a wide panel of lenders—so you get a competitive rate that fits your needs and budget.
📝 Step 3: I’ll Handle the Application for You
No stress, no chasing forms—I take care of the paperwork and liaise with the lender on your behalf.
📦 Step 4: Relax While I Keep You Updated
You’ll receive regular updates throughout the process—all the way through to mortgage offer and completion.
📞 Let’s Simplify SPV Mortgages
Speak with me now for expert mortgage advice and guidance.
Speak with Me NowTrusted Partners for Your Mortgage Needs
Access Better Deals and Reduce Your Monthly Repayments with Tailored Mortgage Options from 170+ Lenders
Secure smarter borrowing with accountant-approved mortgage advice. Let’s build your portfolio the right way – starting today
📞 Need ICR Advice?
Have questions about Income Cover Ratios? I’m just a call away.
Call Now for Expert ICR Guidance
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.