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Check that your customers existing portfolio and new application fits against our Portfolio Landlord criteria.

Please see our Portfolio Landlord section for more information.

This calculator is a guide to our assessment of Portfolio Landlords, all portfolio applications will be assessed by our experienced underwriters.



Including the subject application and all properties held in personal name, Ltd Company or any other legal entity




Sum of all applicants


Including the subject application


Including the subject application and unencumbered properties


Including the subject application and unencumbered properties

The minimum earned income of 30k per application applies to Portfolio Landlord customers. Income defined as employment, self-employment, pension, profit from UK land and property, investment income - evidence of income will be required.

For all Portfolio Landlord customers, please fully complete the Portfolio Landlord section in the Mortgage Portal. Proof of income and supporting documentation will need to be uploaded on the integrated document upload tab on BM Solutions Online.

For additional support please contact your Business Development Manager.

All our products are SUBJECT TO AVAILABILITY and can be withdrawn at any time. A product is only available for further borrowing if it states this in the features box.

Your client's home may be repossessed if they do not keep up repayments on their loan. Whilst a fixed rate mortgage can give your client certainty around monthly payments, the Bank of England Bank Rate may go down as well as up. The value of your client's home may alter with market conditions so that the amount of the loan may exceed the value of the home.

For the use of mortgage intermediaries & other professionals only

If you do not have professional experience, you should not rely on the information contained on this site. If you are a professional and you reproduce any part of the information contained on this site, to be used with or to advise private clients, you must ensure it conforms to the Financial Conduct Authority's advising and selling rules.

These pages are for the use of those people who are resident and ordinarily resident in the UK and should not be regarded as an offer or invitation to sell Mortgage products in any jurisdiction other than the UK.

Birmingham Midshires is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered office; The Mound, Edinburgh, EH1 1YZ

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 169628. Telephone number 0345 850 5000. Telephone calls may be monitored or recorded.

Financial Adviser - Service Awards 2016

House Purchase
First Time Buyer
Existing Mortgage Customers only
Available for further borrowing
Further Borrowing only
Only available with BM Conveyancing
Calculate Borrowing
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