Business Mortgages
Portfolio Loans
Managing a multi-property estate with fragmented borrowing is inefficient. Portfolio loans bring your property finance together into a coherent, professionally structured facility.
What It Means
Understanding portfolio lending
A portfolio loan is a single mortgage facility secured against multiple properties at the same time. Rather than each property carrying its own individual mortgage, the lender takes a charge across the portfolio as a whole and assesses the combined loan-to-value and income position.
This approach is commonly used by experienced landlords and property investment companies who have built up a significant number of assets and want to manage their finance more strategically. It can also be an effective structure when purchasing multiple properties simultaneously or refinancing an estate to release equity efficiently.
Advantages
Key benefits
Single Application
Rather than applying to multiple lenders for each property individually, a portfolio loan allows you to bring multiple assets under one application and one lender relationship.
Better Efficiency
Consolidating your borrowing reduces the administrative burden of managing separate mortgage accounts, renewal dates, and lender correspondence across your property holdings.
Consolidated Reporting
A single facility provides a unified view of your property finance, making it simpler to monitor performance, plan for renewals, and report accurately to your accountant or investors.
Tailored Structures
Portfolio lending can be structured to accommodate properties of varying types, values, and tenancy arrangements — something standard buy-to-let products rarely accommodate.
Eligibility
Who qualifies?
Portfolio lending is generally available to those with at least four mortgaged investment properties, though some specialist lenders will consider smaller portfolios where the loan size and income profile is strong. Applicants are typically assessed on the aggregate loan-to-value across the portfolio, the combined rental income relative to the total borrowing, and their overall financial position.
Both individual landlords and limited company borrowers are catered for, and we work with lenders who take a pragmatic, case-by-case approach rather than applying rigid lending criteria that can exclude legitimate property businesses.
If you are unsure whether portfolio lending is appropriate for your circumstances, we are happy to review your position and advise without obligation.
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