The change allows first-time landlords the flexibility to use personal income to bridge any shortfall between the mortgage they need and their rental income.

The lender defines first-time landlords as those who do not own a property they have let out for more than 12 months.

Applicants must have a minimum household income of £75,000, excluding rental income, for either single or joint borrowers.

Accord has also reduced the minimum income for top slicing from £50,000 to £40,000 for experienced landlords.

Top slicing for all landlord applicants is available up to 75% loan-to-value. For joint applicants, all parties must live in the same residential property.

Accord Mortgages strategic partnerships and propositions manager Angelika Christian said: “As a buy-to-let lender, we’re committed to doing everything we can to support landlord borrowers.

“This change allows us to provide greater flexibility to brokers and their landlord clients, providing new options for those – especially first-time landlords – who have surplus income they can use to borrow more, helping them to support the crucial private rental sector.”

Earlier this week Accord removed its minimum income requirement for first-time buyers to access mortgages up to 5.5 times their income.