Carmarthen-based, UK-wide service
Portfolio Landlord Mortgage Specialist – Scale Faster with Expert Support
Secure exclusive deals from 170+ lenders, overcome ICR barriers, and unlock tailored mortgage solutions to expand your portfolio profitably
Get Your Landlord Mortgage Quote Now!
✔ Confidential | ✔ No Obligation | ✔ FCA Registered
First-Time Landlord Mortgages
Access 170+ Lenders to Secure the Best Buy-to-Let Deal for Your First Property
Limited Company BTL Mortgages
Maximise Tax Efficiency & Secure Better Rates with Specialist Limited Company Mortgages
Mortgages for Complex Income
Get Approved Even with Irregular, Self-Employed, or Multi-Source Income
Trusted by Landlords and Approved by Accountants
Real reviews from landlords who value expert advice that aligns with their accountant's expectations
Ready to see what I can do for you? Book your complimentary mortgage review today
Avoid These Costly Mistakes Portfolio Landlords Make
Many Landlords Miss Out on Better Rates Due to:
- ICR (Interest Coverage Ratio) Challenges
- Complex Company Structures
- Limited Lender Options
- Higher Interest Rates
- Stricter Affordability Criteria
- Taxation Considerations
- Personal Guarantee Requirements
- Lack of Flexibility for Portfolio Landlords
- Lengthy Approval Process
- Inconsistent Criteria Among Lenders
These challenges can prevent you from securing the best buy-to-let mortgage rates, limiting your investment growth. By leveraging my connections with specialist lenders, I help you navigate these obstacles, increase your approval chances, and unlock the best rates, ensuring you meet your investment goals and maximise your portfolio’s potential.
Struggling to Secure the Ideal Mortgage as a Portfolio Landlord?
The ICR Test Could Be Quietly Blocking You from Borrowing More — Let’s Unpack Why
How to Overcome ICR Limits and Borrow More for Your Portfolio
You’ve found the right property, the rental income stacks up, and on paper, everything looks solid — yet the lender’s offer still comes in lower than expected. Sound familiar?
It’s a common frustration, and it’s usually not your income, credit score, or the property holding things back. The real culprit? The Interest Cover Ratio (ICR) test — a behind-the-scenes calculation that quietly limits how much you can borrow, especially with limited company or SPV buy-to-let applications.
Lenders don’t just look at today’s interest rates. They stress-test your rental income to see if it would still cover the mortgage repayments if interest rates shot up. In other words, your loan amount is based on what your property could afford at a much higher theoretical rate — not what you’re actually paying now.
The result? A smaller loan than you expected. But with expert guidance, tailored structuring, and access to the right lenders, there are ways to work around it — and still get the borrowing you need
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.
How I Help Portfolio Landlords Borrow More and Stress Less
🔍 Strategic Mortgage Planning Based on Your Income and Assets
I work closely with you to structure your portfolio lending around your actual income setup—whether that’s salary, dividends, rental yield, or profits—so your borrowing potential reflects your real financial position.
🤝 Collaboration with Your Accountant for Smarter Structuring
I liaise with your accountant to ensure the mortgage solution we choose works hand-in-hand with your tax strategy—so you’re not just approved, you’re optimised.
🧠 Experience That Helps You Avoid Delays and Dead Ends
With over 30 years of financial expertise, I know how to navigate tricky lender criteria, avoid unnecessary rejections, and match you with lenders who understand complex portfolios.
Tailored Mortgage Advice to Help Portfolio Landlords Borrow More and Save Time
Hi, I'm Lyndsey!
I am a mortgage broker with decades of experience helping portfolio landlords secure better rates, simplify their lending structure, and scale with confidence.
Whether you own 4 properties or 40, I’ll help you find lenders who understand your setup — and avoid the pitfalls that come with complex income, SPV ownership, or stricter ICR rules. My advice is tailored to your goals, your tax structure, and your long-term strategy.
With access to 170+ lenders and direct collaboration with your accountant, I’ll help you:
Secure competitive rates designed for larger portfolios
Navigate lender rules on income stress tests and rental cover
Free up capital and reduce admin with smarter structuring
You’ll receive personal, one-to-one guidance — no generic advice or pushy sales. Just the support you need to finance your portfolio with clarity and ease.
Struggling to Secure the Ideal Mortgage as a Portfolio Landlord?
Mortgage Solutions That Make Sense — For You and Your Accountant
I structure your application in a way that not only works for the lender but also keeps your accountant happy — especially when it comes to tax efficiency and long-term strategy.
Simplifying Limited Company Buy-to-Let Mortgages!
Investing through a limited company can be a smart move, but finding the right mortgage isn’t always straightforward. Some lenders won’t deal with limited companies. Others have tight lending rules. And when you throw in layered company ownership or mixed-income structures—it gets tricky fast.
What I offer:
- Access to 170+ lenders, including those who understand complex ownership structures
- Experience with layered companies, holding structures, and non-standard setups
- Strategic advice to maximise tax benefits and long-term returns
- Personal service with clear, no-jargon advice every step of the way
Whether you’re making your first limited company BTL purchase or expanding a large portfolio, I’m here to provide expert guidance.
Call me on 01267 887434 or click below to book your complimentary mortgage review. When you work with me, you’ll have direct access to specialist advice with a human touch.
The Portfolio Landlord Buy to Let Guide
Crafted with input from accountants and tailored for landlords
Worried About Passing Lender Stress Tests?
Struggling to meet Interest Coverage Ratio (ICR) requirements? With rising rates and stricter lender rules, many landlords are hitting a wall. This guide offers practical solutions to help you move forward.
Specialist Support for SPVs, Limited Companies & Landlords Building a Portfolio
As your portfolio grows, it’s important to think ahead. Many landlords start with a single SPV, then expand into more complex structures as their investments scale. Here’s how I can support you:
✅Thinking about using a Limited Company?
The right structure can help you borrow more and stay tax-efficient as your portfolio expands.
👉 Click here to learn more about Limited Company Buy-to-Let Mortgages
🏢Interested in using an SPV for your next property?
SPVs can simplify lender assessments and align your mortgage with your accountant’s strategy.
👉 Click here to learn more about SPV Mortgages
📊Not sure which structure fits your goals?
I’ll help you compare your options clearly so you can make the right decision for your long-term goals.
Real Portfolio Landlord Success Stories
🏡Case Study 1: SPV Mortgage for a Portfolio Landlord with Complex Income
👩💼 Client Profile:
A company director with a growing buy-to-let portfolio.
⚠️ The Challenge:
The client wanted to refinance multiple properties through a Special Purpose Vehicle (SPV) to make their borrowing more tax-efficient. However, they struggled to find a lender who would consider their income structure (a mix of salary and dividends) and the number of properties already held.
🔍 My Solution:
I worked closely with the client’s accountant to present their income in a way that aligned with lender affordability models. We used a lender that accepted SPV applications with no minimum income requirement and supported complex portfolios.
✅ Outcome:
✔ Successfully refinanced £750,000 across several properties
✔ Secured a competitive fixed rate through the SPV
✔ Reduced tax liability and positioned the client for future expansion
💬 Client Testimonial:
“As a company director, I wasn’t sure I’d be able to borrow enough to secure the buy-to-let property I had my eye on. But with Lyndsey’s expert guidance and access to specialist lenders, I secured the higher borrowing I needed. I now own a solid investment property and have a clear strategy in place to grow my portfolio.”
Case Study 2: Smart SPV Mortgage for Tax-Efficient Portfolio Growth
👩💼 Client Profile:
Anthony – an experienced landlord with a portfolio of rental properties and income drawn from both property and limited company dividends.
⚠️ The Challenge:
Anthony wanted to refinance multiple properties through a Special Purpose Vehicle (SPV) to make his borrowing more tax-efficient. However, he struggled to find a lender who would consider his income structure (a mix of salary and dividends) and the number of properties already held.
🔍 My Solution:
I worked closely with Anthony’s accountant to present his income in a way that aligned with lender affordability models. We used a lender that accepted SPV applications with no minimum income requirement and supported complex portfolios.
✅ Outcome:
✔️ £200,000 capital released to fund the purchase of another property
✔️ Lower monthly repayments via a tailored interest-only setup
✔️ £1,200 monthly cash reserve created, improving liquidity
✔️ £2,500+ increase in monthly rental income from the new investment
✔️ A solid financial base to grow his portfolio further without over-leveraging
💬 Client Testimonial:
“Thanks to Lyndsey, he found a lender who worked with my circumstances, securing a remortgage that truly meets my needs!”
— Anthony, Experienced Landlord
Making Mortgages for Portfolio Landlords Simple and Stress-Free — As Approved by Your Accountant
Mortgage Advice in
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.
Trusted Partners for Your Mortgage Needs
Access Better Deals and Reduce Your Monthly Repayments with Tailored Mortgage Options from 170+ Lenders
Avoid delays, reduce stress, and unlock better mortgage deals—let’s tailor a plan that works for your portfolio today
Call me today on 01267 887434 or book your review
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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.