Mortgages for portfolio landlords
Four or more mortgaged buy-to-lets changes how lenders look at you. We arrange lending that is assessed across the whole portfolio, not one property at a time.
Lenders treat you as a portfolio landlord when you have four or more mortgaged buy-to-let properties. Under PRA rules your whole portfolio is assessed, not just the property you are buying.
That changes the paperwork, the stress tests and which lenders want your business. We compare over 90 lenders, including those with dedicated portfolio criteria, and manage the portfolio schedule and business plan that larger applications need. Our portfolio landlord mortgages page covers the lending detail. Prefer to talk it through? Book a quick 15-minute call or ring us on 01708 629 983.
What changes at portfolio scale
Whole-portfolio stress testing
Lenders stress the rent and borrowing across every property you hold, not just the one you are buying. A weak property elsewhere in the portfolio can affect a strong application, and different lenders draw the line differently.
Try the portfolio stress testLimited company borrowing
Many portfolio landlords borrow through a limited company. Lender choice, rates and paperwork differ from personal buy-to-let. Tax treatment depends on your circumstances; we do not give tax advice, and we suggest you take it before restructuring.
Limited company buy-to-letHMO and multi-unit
Houses in multiple occupation and multi-unit blocks sit with a smaller set of lenders with their own valuation and licensing expectations. We place both alongside standard buy-to-let within the same portfolio.
HMO mortgagesRemortgaging across a portfolio
Staggered end dates mean something is always coming up for renewal. We track the schedule, remortgage in the right order, and use each renewal to keep the whole portfolio working.
Remortgage adviceQuestions portfolio landlords ask us
What counts as a portfolio landlord?
Lenders treat you as a portfolio landlord when you have four or more mortgaged buy-to-let properties. Under PRA rules your whole portfolio is assessed, not just the property you are buying.
What paperwork will I need?
Typically a portfolio schedule (each property, its value, mortgage and rent), a business plan for larger cases, and the usual income and identity documents. We prepare the schedule with you so it goes to the lender in the shape they expect.
Should I buy in a limited company?
Sometimes, but it is a tax and structure question as much as a mortgage one. We arrange both personal and limited company buy-to-let lending, we do not give tax advice, and we suggest you take tax advice before restructuring.
Can you handle HMOs and normal lets in one portfolio?
Yes. Different lenders suit different parts of a mixed portfolio, and part of the job is placing each property with a lender that wants that type while keeping the whole picture coherent.
What our clients say
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Renewal coming up somewhere in the portfolio?
Fifteen minutes on the phone, free, with an adviser who works portfolio cases every week. Bring the schedule, or just the rough shape of it, and we will tell you what we would do next.
We aim to return your call as quickly as we can. Weekday evening appointments on request.