£500m+
Funding arranged
UK-wide · 100+ lenders · £500m+ arranged
Portfolio finance, structured the way lenders underwrite it
We arrange portfolio mortgages and buy to let finance for professional landlords and property investors: limited company and SPV lending, HMO and multi unit freehold block mortgages, semi commercial and portfolio remortgages. We arrange and place; we are not a lender.
100+
Lender relationships
25 yrs
On the lender side
UK-wide
Coverage
What we arrange
Finance for a portfolio, not a single buy to let
The moment a landlord passes four mortgaged properties the whole portfolio is on the table: every rent, every loan, every void, stress tested together. We structure that scrutiny into leverage.
4+
mortgaged properties
The point a landlord becomes a portfolio landlord and the whole portfolio is assessed together under the PRA rules.
Up to ~80%
of value, indicative
Buy to let sized on the rent and the interest cover ratio it supports against the lender's stress rate.
Personal or
limited company
We structure and place cases held personally, in a limited company or SPV, or across both.
Capital
released
Portfolio remortgages and equity release that pull value out of the portfolio to fund the next purchase.
The difference
Structured well, that scrutiny becomes leverage
A portfolio is not a collection of single buy to lets, and lenders do not underwrite it as one. Structured well, the portfolio schedule, the interest cover maths and the company structure earn cheaper money and released capital. Structured badly, they become a refusal that follows the landlord around.
Better terms when the case is underwritten the way the lender reads it
Illustrative. Actual outcomes vary by lender, borrower and property and are not an offer of finance.
Portfolio finance explained
What is portfolio finance?
Portfolio finance is the specialist buy to let lending that funds professional landlords holding four or more mortgaged properties. Specialist desks underwrite the whole portfolio together, stress testing every rent and loan under the PRA portfolio landlord rules, and price the case on the interest cover the rents provide, the structure it is held in, and the strength of the background portfolio.
Read how limited company buy to let works, or tell us about your portfolio.
At a glance
- What it isSpecialist buy to let lending
- Who it is forLandlords with 4+ properties
- Priced onRent and interest cover ratio
- LeverageIndic. up to 75 to 80%
- Held inPersonal, company or both
- AlsoRemortgage and capital raising
Indicative only. Not an offer of finance.
Finance
The finance we arrange
Portfolio and buy to let lending for professional landlords and property investors, used alone or together.
Limited company buy-to-let mortgages
Buy-to-let mortgages held inside a limited company or special purpose vehicle, arranged for landlords and property investors building or refinancing a portfolio. We structure the case the way specialist buy-to-let lenders underwrite it, model the interest cover ratio, and place it with the funding desk whose criteria fit.
Learn moreLimited company mortgages
Mortgages taken by a limited company or SPV rather than in a personal name, arranged for property investors and portfolio landlords. We structure the case the way specialist lenders underwrite company lending, model the interest cover ratio against the rent, and place it with the funding desk whose criteria fit.
Learn moreSPV mortgages
Buy-to-let and portfolio mortgages held in a special purpose vehicle (SPV), arranged for limited company landlords and property investors. As specialist SPV mortgage brokers we structure the case the way SPV mortgage lenders underwrite it, model the interest cover ratio against the rent, and place it with the funding desk whose criteria fit.
Learn morePortfolio mortgages
Portfolio mortgages for landlords holding multiple buy to let properties, arranged and refinanced across specialist lenders. We structure the whole portfolio the way lenders underwrite it, whether the properties are held personally, in a limited company, or across both, and place each mortgage with the right funding desk.
Learn morePortfolio landlord mortgages
Portfolio landlord mortgages for landlords with four or more mortgaged buy to let properties, where lenders assess the whole portfolio on every application. We build the portfolio schedule and the business plan the way the Prudential Regulation Authority rules require, and place each mortgage with the lender whose criteria fit.
Learn moreLandlord mortgages
Buy-to-let mortgages for landlords, from a first rental property to a large portfolio, arranged in personal names, limited companies and SPVs. We structure the case the way specialist lenders underwrite it, model the interest cover ratio against the rent, and place it with the funding desk whose criteria fit.
Learn moreHMO mortgages
HMO mortgages for houses in multiple occupation, arranged for landlords and limited companies buying, refinancing or converting shared housing. We structure the case the way specialist HMO lenders underwrite it, from a small licensed house share to a large HMO, and place it with the right funding desk.
Learn moreMUFB mortgages
MUFB mortgages for multi unit freehold blocks, the freehold buildings that hold several self-contained flats on a single title. We structure the block the way specialist lenders underwrite it, for landlords and limited companies buying, refinancing or converting a freehold block, and place the mortgage with the right funding desk.
Learn moreSemi commercial mortgages
Semi commercial mortgages for mixed-use property, the shop, office or pub with flats above and any building that is part commercial and part residential. We structure the case the way semi-commercial lenders underwrite it, for landlords, investors and limited companies, and place it with the right funding desk.
Learn moreBridge to let
Bridge to let finance for landlords buying, refurbishing or converting a property that is not yet mortgageable, then holding it. We arrange the bridging loan and the buy to let mortgage that takes it out, plan the exit from the start, and place both with lenders whose criteria fit.
Learn moreWhen it fits
When landlords come to us
01
The portfolio has outgrown the high street
Once you pass four mortgaged properties, mainstream lenders stop fitting. We place portfolio landlords with the specialist desks that want the case.
02
You are moving into a limited company
Buying or refinancing through an SPV changes how a lender underwrites the case. We structure it the way the specialist desks read it.
03
The rent is tight against the stress test
Where interest cover is the constraint, we model the case and find the lender whose stress rate and criteria make it work.
04
You need capital for the next deal
A portfolio remortgage or equity release releases value from what you already hold to fund the next purchase.
How we work
From first conversation to completion
Portfolio review
We read the portfolio schedule, the rents, the structure and the plan, and tell you what is fundable and on what terms.
Lender selection
We shortlist the specialist desks whose criteria, stress rates and appetite fit the case, at the leverage you need.
Terms and negotiation
We package the case the way lenders underwrite it, take it to market and negotiate terms on your behalf.
Through to completion
We manage the valuation, the legal work and completion, and set up the next purchase or refinance as the portfolio grows.
A note from the founder
“A portfolio is not a collection of single buy to lets, and lenders do not underwrite it as one. The moment a landlord passes four mortgaged properties the whole portfolio is on the table: every rent, every loan, every void, stress tested together under the PRA rules. Structured well, that scrutiny becomes leverage, cheaper money, capital released, the next purchase funded. Structured badly, it becomes a refusal that follows the landlord around. I have spent 25 years arranging finance for exactly these cases: the portfolio schedule, the business plan, the ICR maths, the limited company structure, the lender who actually wants the deal. Every case still comes through me personally. Clients are not handed off. They get answers.
Matt Lenzie Founder & Principal Broker
Refinancing or growing a portfolio?
Send us the portfolio, how it is held and the finance you need, and we will come back with a view on fundability and likely terms within one working day.