We've opened up our criteria so you can do more of what you do best… help landlords buy or remortgage their BTL property. And, we're introducing a 125% ICR for landlords whose total income is less than £45k and who are basic rate or 0% tax payers..

Our BTL criteria changes are as follows:

• Minimum age reduced from 25 to 18.
• Maximum age at application increased from 70 to 75 (oldest applicant).
• Maximum age at term expiry increased from 75 to 85 (oldest applicant).
• Maximum mortgage term increased from 35 to 40 years.
• Defined retirement age increased from 65 to 70 for employed applicants.
• And we'll accept state pension income to meet the minimum income requirement.

And we're not finished there - we're launching a new range of products and extended end dates giving you a better a choice of products for your clients.