Additional properties

The total number of encumbered properties the borrower(s) can maintain in a portfolio of buy-to-let / holiday let properties, cannot exceed three (including current application).

In addition, the borrower(s) may hold a separate owner-occupied residential mortgage and second home. If the borrower(s) are party to any other buy-to-let mortgages as joint owners, these would count towards the number of properties deemed to be owned by the individual in the portfolio.