How do you calculate portfolio exposure?

The rental income from the portfolio must equate to 125% of the outstanding debt on a portfolio at 5.50%

If the portfolio falls below this threshold, however, our underwriters will take a flexible approach, having discretion to accept a lower rental coverage with reference to the liquidity of the portfolio and, if applicable, other assets belonging to the applicant(s). Please see our Buy-to-Let lending criteria for more information.