Portfolio landlord mortgages
Growing, refinancing or reorganising a portfolio of rental properties.
Once you have four or more mortgaged rental properties, most lenders treat you as a portfolio landlord. That usually means a closer look at the whole portfolio, not just the property you are buying: the rent, the borrowing and how the properties perform together.
We help portfolio landlords plan their next purchase, refinance existing properties and keep track of when each mortgage product ends, so decisions are made in good time rather than in a rush.
How we help
- Whole-portfolio applications
- We help you put together the portfolio information lenders ask for, in the format they expect.
- Recycling equity
- Many landlords look at remortgaging an existing property to fund the next one. We explain the options and what lenders consider.
- Product end dates in one place
- We contact clients ahead of their product end dates, typically around seven months before, to review what comes next.
- Limited company and personal name
- Many portfolios mix both. We work with lenders who consider each.
Common questions
What is a portfolio landlord?
Lenders generally describe a landlord with four or more mortgaged buy-to-let properties as a portfolio landlord. It affects how they assess applications.
What information will a lender want about my portfolio?
Typically a schedule of your properties with their values, rents, mortgage balances and payments, plus your business plan and personal finances. Requirements vary, and we will tell you exactly what is needed.
What happens when you get in touch
Book an appointment
We look at your options
Our recommendation
Application
Offer and completion
We stay in touch
Related
- Limited company buy-to-letBuying or refinancing rental property through a limited company.
- HMO mortgagesHouses in multiple occupation, let room by room.
- Buy-to-let remortgageComing to the end of a fixed or initial rate, or releasing equity.
- Bridging financeShort-term finance for property purchases and projects.
Request a call back
Talk to a specialist
Book an appointment at a time that suits you, call the office, or ask us to call you back. We are here to help.