⚪ 30+ Years Experience • ⚪ Access to 170+ Lenders • ⚪ No Obligation
FAILED ICR STRESS TEST? UNLOCK MORE BORROWING — EVEN WHEN LENDERS SAY NO
Get approved — even after ICR restrictions
Request a call back
Maximise Your Borrowing
Specialist Buy to Let Lenders
Meet Lender Requirements
Expert ICR Assessment
Direct Access to a Specialist
Personal Mortgage Advice
Trusted by landlords across the UK with complex mortgage cases
HOW ICR RULES COULD BE LIMITING YOU
Most landlords are declined due to structure — not their income
Most landlords are told:
❌ “Your rental income isn’t enough”
❌ “You don’t meet the stress test”
❌ “You’ll need a much larger deposit”
What a low ICR can really mean:
⚠️ Higher interest rates than expected
⚠️ Borrowing reduced — often across your entire portfolio
⚠️ Applications declined or restricted
And lenders are getting stricter:
📊 Stress testing at 7%+ (even on fixed rates)
📊 ICR requirements up to 145%–175%
📊 Lower loan-to-values and tighter criteria
What this could be costing you:
❌ £50,000+ less borrowing than you should be getting
❌ Deals falling through at the last minute
❌ Portfolio growth completely stalled
❌ Being declined when approval was possible
But here’s what most landlords don’t realise:
👉 Not all lenders use the same ICR rules
👉 Some accept lower stress rates
👉 Some work with complex income and SPV structures
Most landlords aren’t stuck — they’re just structured the wrong way
WHY ICR RULES ARE HOLDING YOU BACK — AND HOW TO FIX IT
Most landlords don’t realise how much lenders limit their borrowing
👉 It’s not just your deal — it’s how lenders calculate risk
Here’s what’s really happening:
⚠️ Stress rates can be as high as 7%+ (even on fixed deals)
⚠️ ICR requirements can reach 145%–175%
⚠️ Rental income needs to be far higher than expected
What this means for you:
❌ You’re offered less than you expected
❌ You’re asked for larger deposits
❌ You’re blocked from growing your portfolio
But here’s the key difference:
👉 Not all lenders use the same calculations
👉 Some allow significantly more borrowing
👉 The right structure can unlock your next deal
AVOID THESE COSTLY MISTAKES PROPERTY INVESTORS MAKE
Most landlords don’t realise they’re making these mistakes — until it costs them a deal
❌ Choosing the wrong lender criteria
👉 Not all lenders assess ICR the same way
👉 Using the wrong one can reduce your borrowing significantly
❌ Focusing only on rates, not structure
👉 The cheapest rate doesn’t always mean the best deal
👉 Poor structuring can limit your future borrowing
❌ Applying without a clear strategy
👉 Many landlords get declined because the deal isn’t positioned correctly
❌ Not planning for future growth
👉 What works today may block your next purchase
🔥 What this means in real terms:
⚠️ Missed investment opportunities
⚠️ Lower portfolio growth
⚠️ Wasted time with failed applications
WHY WORK WITH ME ON ICR MORTGAGES?
Lyndsey Rowe
Mortgage & Protection Adviser
CeMAP & CeRER Qualified
30+ Years’ Experience
Hi, I’m Lyndsey
I specialise in helping landlords overcome strict ICR rules and secure borrowing where others are declined
✔ 30+ years helping landlords secure complex mortgage approvals
✔ Access to lenders with flexible ICR and stress testing
✔ Structured advice — not just product sourcing
✔ Personal, one-to-one service — no call centres
✔ Solutions for SPVs, portfolio landlords and complex income
My mission
My mission is simple: to help you secure more borrowing power without unnecessary restrictions — while keeping your long-term strategy intact.
✔️ UK-wide service ✔️ Speak directly to me ✔️ No obligation
HOW TO INCREASE YOUR BORROWING — STEP BY STEP
A SIMPLE, STRUCTURED APPROACH TO INCREASING YOUR BORROWING POWER
📞 Step 1: Understand your position
I assess your current position and identify what’s limiting your borrowing
📊 Step 2: Identify borrowing potential
I assess lenders with more flexible ICR and stress testing
🧩 Step 3: Structure the deal correctly
I position your application to maximise borrowing and approval
✅ Step 4: Secure your mortgage
I manage the process through to offer and completion
Most landlords are surprised how much more they can borrow once their deal is structured correctly
SEE HOW LANDLORDS ARE BORROWING MORE — REAL CASE STUDIES
Case Study: How a Landlord Increased Borrowing by £350,000 Despite ICR Restrictions
👩💼 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.”
Most landlords are surprised how much more they can borrow when their deal is structured correctly.
SECURE SMARTER BORROWING WITH ACCOUNTANT-APPROVED ADVICE — START BUILDING YOUR PORTFOLIO TODAY
📞 Call Me Now
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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.