Property Portfolio Mortgages

Property portfolio mortgages are available for landlords that own four or more properties in the UK

Property Portfolio Mortgages allow the borrower a first charge loan using investment residential properties as security.

Property Portfolio Mortgages

In the UK, if you own four or more properties you are considered a Portfolio Landlord.

We support portfolio landlords with managing their existing mortgages and new properties to increase the profitability of their property portfolios. You can also request indicative terms from our whole of market panel of lenders.

Property portfolio mortgages, how much can I borrow?

Portfolio mortgages are typically up to 75% loan to value (LTV) of the open market value (OMV) of the property.

Lenders will consider both properties that are Freehold or Leasehold. Properties with a short leasehold remaining may be difficult to secure funding on.

Portfolio mortgages are sometimes used to restructure debt where one or more properties in a portfolio are in negative equity.

As a long-term product, portfolio mortgages are highly competitive with a good choice of both fixed-rate and variable-rate terms.

Indicative Terms

Get an understanding of how much you may be able to borrow with a portfolio mortgage and at what terms prior to making an application. You can use Indicative Terms to show that you may be in a financial position to purchase a property with an estate agent or those selling a property.

Some benefits of using us

In addition to property valuations, building insurance, and legal support, we offer a wide range of additional services. For information on this, please see our Business Support Services and Trusted Partner Network.

Our business support and brokerage services include fully packaging and submitting your lending application proposal in addition to ensuring the most competitive rates and terms. We will ensure that your mortgage application is prepared quickly and efficiently. At the same time, we will keep you updated on your application’s progress in order that funds are available in the shortest possible time.

Our offer

In particular, we offer all our clients a truly ‘one-stop-shop’ facility, specifically to provide you with a fully managed and professional business support and brokerage service. Our mission is to secure the most competitive funding offer for your circumstance available from the whole of the market.

Whatever your property finance requirements, we offer a free, impartial, and confidential initial consultation and will quickly assess your funding options.

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