UTB Mortgages Announces BTL Criteria Enhancements Catering for Larger Portfolio Landlords
09 September 2025
United Trust Bank (UTB) Mortgages has made several enhancements to its Buy-to-Let mortgage proposition with immediate effect. The changes are designed to give brokers more choice when supporting professional, larger landlord clients and include removing the restriction on maximum portfolio size.
The new BTL criteria applies to all purchase and remortgage applications.
UTB Mortgages Buy to Let Criteria Enhancements
- No upper limit on landlord’s total portfolio size
- Up to 6 properties can now be mortgaged with UTB
- Maximum UTB lending increased to £2.5m
When a borrower has more than 10 BTL properties UTB require a cashflow statement. When a borrower has more than 20 BTL properties OR a portfolio in excess of £5m, UTB also require a completed business plan, for which the Bank provides a straightforward template.
Announcing the criteria changes, Buster Tolfree, Director of Mortgages – United Trust Bank, said:
“These changes give brokers more choice when helping landlord clients with larger portfolios. We were the first lender to make it easier and quicker for brokers to submit applications for portfolio landlords when we introduced our BTL portal and now we’re lifting the limits on what we’ll lend and who we’ll lend to.
“We want to give more landlords the opportunity to take advantage of rental property opportunities many other lenders won’t consider. Non-standard construction, touching or close to commercial, high-rise apartments – these can all be great choices for expanding rental portfolios, delivering great yields and often at lower outlay. At UTB we’re all about assisting brokers when they’re helping landlord clients get a great return on their investment.”
UTB’s latest mortgage product guides can be found HERE
