Property portfolio mortgages are available for landlords that own four or more properties in the UK
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, although some lenders may allow up to 85% LTV.
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.
Some benefits of using us
Property valuations, insurances, legal support and much more are available through our Business Support Services.
We will fully package and submit your lending proposal to ensure the most competitive rates and terms and ensure that your funding application is processed quickly and efficiently in order that funds are available in the shortest possible time.
We offer our clients a true ‘one stop shop’ facility, our core competence is to provide you a fully managed and professional service that secures the most competitive funding offer available from the entire market.
Whatever your property finance requirements, we offer a free, impartial and totally confidential initial consultation and will quickly assess your funding options.
Business Support for Property Portfolio Mortgages
Capital Allowances tax relief may offset the hidden expenditure in your property portfolio. Typically, this includes elements such as air conditioning, wiring, heating, lighting and security systems – essentially everything that would remain in the building if you tipped it upside down!