Portfolio finance, structured to the landlord
Every way we fund a professional landlord's portfolio: portfolio mortgages, limited company and SPV buy to let, HMO and multi unit freehold block lending, semi commercial mortgages, bridge to let and portfolio remortgages. We arrange and place; we are not a lender.
Portfolio finance is the specialist lending that funds professional landlords and property investors 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. We arrange the finance that fits the portfolio. A portfolio mortgage funds properties held together under one facility. Limited company and SPV buy to let mortgages fund purchases and refinances inside a company. HMO and multi unit freehold block mortgages fund higher yielding stock. Semi commercial mortgages fund mixed use property. Bridge to let carries a property from purchase or refurbishment to a let, refinanceable position. A portfolio remortgage releases capital from what you already hold. We read each case, structure it the way the lender underwrites it, and place it with the right funding desk.
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 moreNot sure which route fits?
Send us the portfolio, how it is held and the finance you need, and we will tell you what is fundable and how best to structure it.