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NatWest for Intermediaries has started offering larger buy-to-let mortgages to landlords earning £75,000 or more.

The bank has reduced the minimum rental coverage ratio it uses to calculate the maximum loan from 125% to 100% for customers whose total personal income is £75,000 per annum or more.

Aaron Strutt, product director at Trinity Financial, says: “With this criteria change more landlords will qualify to use their personal income to boost the maximum loan size if the rental income is short. This is because the rental income required to use top slicing was tougher before.”

NatWest’s mortgage calculator uses the personal income to boost the total borrowing. If a property generates £1,500 rental income, NatWest would typically be able to lend around £121,250 if you earn the minimum £25,000 qualification income. If you earn £75,000 or more, it could potentially increase to £261,818. These figures are based on the maximum 75% loan-to-value using a property value of £400,000.

Aaron Strutt, product director at Trinity Financial, says: “More landlords earning over £75,000 will qualify to use their personal income to boost the maximum loan size if the rental income is short. This is because the rental income required to use top slicing was tougher before.”

Trinity’s brokers have access to NatWest’s specialist underwriting team, enabling us to get cases agreed quickly. The bank is offering some impressively priced two and five-year fixed rate mortgages.

Call Trinity Financial on 020 7016 0790 to secure a buy-to-let mortgage

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