Ask P.A.U.L. anything about buy-to-let lending

P.A.U.L. — PortfolioHub’s Personal Assistant for Underwriting & Lending — answers lender-criteria, ICR, HMO and limited-company questions in seconds, grounded in real lender data. Try 4 questions free, no sign-up needed.

P.A.U.L.Personal Assistant for Underwriting & Lending

Sourced only from PortfolioHub's Academy Hub & Criteria Scanner

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Waking P.A.U.L. up…

Sourced, never guessed

Every answer is drawn only from PortfolioHub’s Academy Hub and Criteria Scanner — verified, sourced lender data, never the open web.

Built for BTL brokers

ICR, stress rates, HMOs, limited-company BTL, specialist property — P.A.U.L. speaks broker.

A research assistant

P.A.U.L. is for guidance, not financial advice. Always verify criteria directly with the lender.