Specialist

Buy To Let Portfolio Mortgage

For Remortgaging & Buying Property In The UK

Buy to Let Portfolio Mortgage

Clifton private finance

We can help source buy to let mortgage finance for your property portfolio in excess of £100k for property in the UK

 
We offer creative solutions for buy to let portfolio landlords who wish to purchase or remortgage properties.
Our buy to let portfolio mortgage service provides:
  • Buy to let mortgages from £100,000
  • Portfolio finance through one consolidated lender
  • Or separate financing for individual properties - we will find the most cost-effective solution for your portfolio
  • Market leading rates
  • 2nd charge options for raising finance
  • Expertise in dealing with buy to let portfolios and Limited companies using retained profits
  • Specialist portfolio finance products for landlords with more than 4 properties
  • Interest roll up product options
  • Landlord light & heavy refurbishment finance available on attractive terms
  • UK expat, non-dom and foreign national landlord mortgage finance available
  • We can help if you have multiple buy to let properties, Multi-unitHMOs, AirBnBs, student lets and complex structures
  • Fast professional service. We understand that sometimes finance needs to be arranged quickly!

Buy To Let

Up to £750k

5.4% APR

2 Year Tracker (Remortgage)

Subsequent rate 5.55%

LTV - 75%

APRC 8.9%*

Product fee 3% 

Free Valuation

Early redemption charges

As at 11th January 2024

Buy To Let

Up to £1m

4.51% APR

5 Year Fixed (Purchase)

Subsequent rate 9.59%

LTV - 65%

APRC 8.1%*

Product Fee £3,999

£300 Cashback

Early redemption charges

As at 11th January 2024

Buy & Refurb

1 to 12 Months

0.55% pm

1 to 12 months

Purchase & refurb

LTV - 60%

Buying & Renovating

Conversions

Auction Purchase

As at 11th January 2024

Contact Us

Thank You for your interest - please complete the form below and a member of our team will be in contact.


Through our market knowledge we can deliver bespoke terms based on your requirements.  
Call our buy to let team on  0117 959 5094 to discuss your requirements.
 

Latest buy to let portfolio mortgage case study:

buy to let portfolio mortgage

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Buy To Let Property Portfolio Mortgage Service

What is a buy to let portfolio mortgage?  

A buy-to-let portfolio mortgage is a loan designed specifically for property investors with multiple rental properties. Instead of managing several individual buy-to-let mortgages, a portfolio mortgage allows you to consolidate them into one, making it simpler to keep track of your finances and streamline your property investments.  

Portfolio mortgages have some distinct features:  

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BTL portfolio finance works by holding all of the lending through one provider rather than having multiple BTL mortgages from different lenders. This can make it much easier for landlords with a large portfolio of properties to manage their mortgages. 

To be considered to be a portfolio landlord if you own over three investment properties. 

Our specialist mortgage service can help you secure the funding you need to purchase your ideal BTL property to add to your portfolio, even if your situation is complicated. We can source funding for expats, non-residents, international buyers et al.

buy to let portfolio mortgage

How does a buy to let portfolio mortgage work?  

When you have a buy-to-let portfolio mortgage, you combine all your individual property loans into one. This means you'll have a single lender, one monthly payment, and a unified interest rate across your entire portfolio. It streamlines the process and can help you manage your finances more effectively.  

Here's a more detailed breakdown of how it works:  

A buy-to-let portfolio mortgage can be advantageous for landlords with multiple properties, as it simplifies the management of their investments and can potentially lead to better mortgage rates.  However it can sometimes be cheaper to finance all your properties separately - it depends on the make-up of your property portfolio and your current finance arrangements. 

It can also involve a huge amount of paperwork and administration to compare deals and rates and complete an application practically. You'll need your entire property portfolio stress tested for each quote. At Clifton Private Finance, we specialise in BTL portfolio mortgages and can take the stress out of your application. 

buy to let portfolio mortgages

One portfolio mortgage or separate mortgages for each property?  

Deciding between a single portfolio mortgage or separate mortgages for each property depends on your circumstances and investment goals. Here are some factors to consider and the pros and cons of each option:

Pros of a portfolio mortgage:  

Cons of a portfolio mortgage:  

Pros of separate mortgages for each property:  

Cons of separate mortgages for each property:  

When deciding between a portfolio mortgage or separate mortgages for each property, carefully weigh the pros and cons and consider your long-term investment goals.  

If you're unsure, speak to a specialist mortgage adviser with experience in BTL portfolio mortgage advice. 

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Buy to let portfolio mortgage rates  

Interest rates for buy-to-let portfolio mortgages can vary based on factors like the size of your portfolio, your credit score, the lender you choose. and the types of properties within your portfolio. 

Generally, you might find that portfolio mortgage rates are slightly higher than individual buy-to-let mortgages due to the perceived higher risk associated with multiple properties. However, this isn't always the case, so shopping around and comparing offers from different lenders is essential.  

Remember that some lenders may offer discounted rates for more significant loan amounts or borrowers with a robust financial profile.

To secure the best possible rate, maintain a good credit score, demonstrate a stable rental income, and present a well-maintained property portfolio.  

An experienced mortgage broker can connect you with the most appropriate lender for your portfolio. 

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Limited company portfolio mortgages  

If you're a property investor who has set up a limited company for your investments, you can also obtain a portfolio mortgage for your company.

In many cases, limited company portfolio mortgages offer tax advantages and make managing your properties easier.  

Here's what you should know about limited company portfolio mortgages:  

Limited company portfolio mortgages can be attractive for investors who want to take advantage of potential tax benefits and separate their personal finances from their property investments.  

Related: How to get a limited company buy to let mortgage

The best portfolio mortgage lenders  

There isn't a one-size-fits-all answer when choosing the best portfolio mortgage lender, as different lenders cater to specific types of borrowers or offer unique products and terms. Some lenders specialise in portfolio mortgages, while others cater to limited companies or portfolio landlords with a certain number of properties.  

Other lenders are more familiar with HMO properties, while another might be more comfortable with buy to lets om highstreets and close to commercial properties like shops and pubs. 

When searching for the best lender, consider the following factors:  

Take your time and compare different lenders to find the one that best meets your needs and preferences. If you're unsure, speak to an advisor.

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How can I get a buy to let portfolio mortgage?  

To get a buy-to-let portfolio mortgage, follow these steps:  

Following these steps and carefully considering your options, you can obtain a buy-to-let portfolio mortgage that suits your investment needs and objectives.  

Related: How to pass your BTL mortgage stress test.

FAQs  

How many properties make a portfolio?  

No specific number of properties defines a portfolio, but lenders typically consider a borrower with three or more rental properties as a portfolio landlord. However, some lenders may have different criteria, so clarifying their requirements is essential when considering a portfolio mortgage.  

What does portfolio landlord mean?  

A portfolio landlord is a property investor who owns multiple rental properties, often financed through a buy to let portfolio mortgage or several individual buy to let mortgages.

Some investors manage their properties as a single unit, benefiting from streamlined financing and potential economies of scale. Portfolio landlords are typically more experienced in property investment and management than individual buy-to-let landlords.  

How much money do you need to start a property portfolio in the UK?  

The amount of money you need to start a property portfolio in the UK depends on factors like the property type, location, and your investment strategy. Generally, you'll need a deposit of at least 20-25% of the property value for each buy-to-let mortgage.

Additionally, consider costs like stamp duty, legal fees, property management expenses, and any necessary renovations or repairs.  

As you expand your portfolio, remember that lenders may have specific requirements for borrowers with multiple properties, such as higher deposit requirements or a minimum rental income threshold.  

What are the rules on a buy to let mortgage?  

Rules on buy-to-let mortgages can vary between lenders, but some standard requirements include the following:  

Remember that rules and requirements can differ, so always check with your chosen lender for their specific criteria.  

How many buy to let mortgages can you have?  

There's no specific limit on the number of buy-to-let mortgages you can have. However, lenders may impose limitations based on your income, credit history, and the overall value of your property portfolio.

As you add more properties and mortgages to your portfolio, you may find that some lenders are more hesitant to lend to you, while others may have specialised products designed for portfolio landlords.  

Is a property portfolio a good idea?  

A property portfolio can be a good idea if you're an experienced investor looking to diversify your investments and generate passive income.

However, managing multiple properties can be challenging and requires significant time and effort.

Considering your investment goals, risk tolerance, and available resources is essential before building a property portfolio.

If you're prepared for the challenges and potential rewards, a property portfolio can be valuable to your investment strategy. 

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Our Specialist buy to let portfolio mortgage service:

More buy to let portfolio case studies:

£3.3m buy to let portfolio remortgage in Torquay »

Buy to let portfolio stress test solution for £580k Kent property »

Refinancing 20 buy to let portfolio properties at £3.1m lending »

Structured property portfolio finance for student HMOs in in Sussex »

Recent Buy-To-Let Blogs:

What is top slicing in buy to let borrowing? »

How to get airBnB buy to let mortgage finance »

How to raise finance on multiple properties »

How to use a second charge mortgage to raise finance on your property portfolio »

Our service provides creative finance solutions for landlords. 
Call us today to discuss your requirements on 0117 959 5094

Book Consultation »

 

 
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