Buy-to-let

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.

Book a quick 15-minute call Call 01708 629 983

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 65 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 test

Limited 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-let

HMO 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 mortgages

Remortgaging 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 advice

Questions 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.

Reviews

What our clients say

Real reviews from clients across Romford and Essex, verified on Google.

Rated 5.0 out of 5 from 92 Google reviews Read the reviews on Google

    
 
 
       Posted on Google  
   
   Paul Maysmith 
 
 
 
 Trustindex verifies that the original source of the review is Google. Always a great experience. Thanks to Mark Potter, Chantel Smith on the mortgage side and Oliver Alan on the insurance. Can't recommend the team highly enough.
  
 
      Posted on Google  
   
   Ramona Iuga 
 
 
 
 Trustindex verifies that the original source of the review is Google. 5 stars service,Mark and the team always offer a great service and support all the way,highly recommended.
  
 
      Posted on Google  
   
   Fancy Window Cleaners 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service from Mark and the team as always.
  
 
      Posted on Google  
   
   Kelly Sainty 
 
 
 
 Trustindex verifies that the original source of the review is Google. The second time we’ve used major money matters and cannot fault anything! Both Mark and Chantel as helpful as ever
  
 
      Posted on Google  
   
   Amy Phillips 
 
 
 
 Trustindex verifies that the original source of the review is Google. A huge thank you to Billy for all his support throughout my mortgage process. He was knowledgeable, approachable, and always happy to answer my questions, making everything easy to understand and much less stressful. His advice and guidance were invaluable, and I always felt confident I was in good hands. I really appreciate all his help and would highly recommend him to anyone looking for a fantastic mortgage advisor. Thank you, Billy!
  
 
      Posted on Google  
   
   Robert Larkey 
 
 
 
 Trustindex verifies that the original source of the review is Google. Top quality service no fuss straightforward advice and actioned quickly once right product decided on
  
 
      Posted on Google  
   
   Montell Chukwu 
 
 
 
 Trustindex verifies that the original source of the review is Google. I was recommended major money matters through a friend and they haven’t been short of fantastic, Oliver Potter who handle my mortgage offered a perfect service, can’t recommend them enough!
  
 
      Posted on Google  
   
   Billy Camden 
 
 
 
 Trustindex verifies that the original source of the review is Google. The whole team at Major Money Matters are an absolute dream to work with. Their expertise, speed and friendly approach made what we thought was going to be an arduous process quick and simple. Mark, Oli and Lee were always just a phone call away if we had any questions and provided clear and easy to understand advice/guidance. We would recommend their services to anybody.

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.

Book a quick 15-minute call Call 01708 629 983

We aim to return your call as quickly as we can. Weekday evening appointments on request.