Buy-to-let lending has been a major topic in recent months. In September, banks and other financial institutions were obliged to apply stricter lending criteria before approving new requests for lending from certain private landlords.

Stephen Small, senior associate in property litigation, discusses how lenders consider applications from landlords with portfolios consisting of four or more properties.

Landlords should beware stricter lending criteria is available via subscription on the Property Week website.

Stephen is a trusted advisor to the UK's largest listed specialist residential landlord. He regularly provides training to landlords and managing agents on their rights and obligations in respect of their work within the private rented sector.