Portfolio landlord
Whole-portfolio refinance, capital raising for the next acquisition, lender concentration limits, weighted ICR and top-slicing.
Specialist brokerage for portfolio landlords · Construction Capital portfolio
Finance for professional landlords, from every angle.
Portfolio landlord mortgages, limited company buy-to-let, HMO, MUFB, bridging, development finance and commercial. 100+ lenders, one specialist desk.
Advice from
Matt Lenzie · 25+ year career banker (Bank of Scotland, Lloyds Banking Group). £300m+ raised for property clients.
25+ year career banker (Bank of Scotland, Lloyds Banking Group). £300m+ raised for property clients.
100+
Lenders on panel
4+
Properties = portfolio landlord under PRA rules
~60%
Of new BTL completes in a limited company, 2026
£25m+
Maximum single bridging facility
Who we work with
Built for landlords running property as a business.
We arrange finance for portfolio landlords with four or more mortgaged buy-to-lets, investors building inside SPVs and group structures, HMO and MUFB operators, and developer-landlords running refurbishment, conversion and ground-up schemes. As of June 2026, BTL five-year fixes sit between 4.5% and 5.75%, with limited company pricing typically 0.2% to 0.5% above, HMO and MUFB from 5.0% to 6.5%, and bridging from 0.75% per month. If you are a first-time landlord buying a single property, you are better served by our sister site BuytoLetFinance.co.uk. This desk is for landlords at scale.
Landlord mortgages and loans
The full professional landlord stack, one advice channel.
Portfolio mortgages to development exits, every product a professional landlord uses, structured and placed from a single fact-find.
Portfolio landlord mortgages
4+ properties, whole-portfolio underwriting.
Lenders treat portfolio landlords (4+ mortgaged BTLs) as a separate underwriting category: full portfolio schedule, aggregate LTV and weighted ICR. We package the portfolio the way each lender expects, and structure new debt around it.
Limited company buy-to-let mortgages
SPV and trading-company BTL finance.
Lender access for SPVs (SIC 68209 / 68100) and trading limited companies. Director and shareholder guarantees, inter-company loans, layered group structures and dividend planning where relevant.
Buy-to-let mortgages
Single-let AST term finance.
Standard residential single-let buy-to-let mortgages on assured shorthold tenancies, at portfolio scale. Interest-only as standard, stress-tested across the 100+ lender panel.
Buy-to-let remortgages
Refinance and capital raise.
Switch lender at the end of a fix, capital raise against portfolio equity to fund the next acquisition, or product transfer where the maths favour staying. We model all three on every case.
HMO mortgages
Small and large HMO finance.
Houses in multiple occupation, small (up to 6 beds) and large (7+). Specialist valuation methodology, bricks-and-mortar versus investment value, licensing and Article 4 overlay.
MUFB mortgages
Multi-unit freehold blocks.
Blocks of self-contained flats held on a single freehold title. A distinct specialist lender pool from HMO, with block-level valuation and unit-count tiering.
SPV mortgages
Special purpose vehicle lending.
Mortgages written to special purpose vehicles: new SPVs with no accounts, SIC code requirements, personal guarantees, floating charges and group structures with holding companies.
Holiday-let mortgages
Short-term and Airbnb-eligible.
Furnished holiday-let and short-term-let mortgages. Different income evidence, a different lender pool, and post-FHL tax treatment that changes the maths.
Bridging loans
Fast short-term property finance.
Short-term secured lending from £75k to £25m+, first and second charge, regulated cases referred on. Completion in days where the case demands it, priced from the whole bridging market.
Development finance
Residential and mixed-use schemes.
Senior development facilities for conversions, small schemes and multi-unit sites: day-one land advance plus works funding in arrears, sized on loan-to-GDV and loan-to-cost.
Commercial mortgages
Investment and owner-occupier.
Term mortgages on commercial investment property: offices, retail, industrial and leisure, owner-occupied or let to tenants. Priced on yield, covenant and lease length.
Term loans
Medium-term portfolio debt.
Structured term debt across a portfolio: cross-charged facilities, interest-only and part-amortising structures, and lender consolidation where a book has grown across too many lenders.
Landlord profiles
Five professional landlord profiles. One way of working.
Each profile sits on a different lender list, carries a different stress test and is taxed differently. We build the case once, then run it across the panel.
How we work with eachLimited company investor
SPV-specific lenders, personal guarantee structures, inter-company loans, incorporation of an existing personal-name book.
HMO and MUFB operator
Specialist lender access, investment-value versus bricks-and-mortar valuations, licensing and Article 4 alignment.
Developer-landlord
Refurbishment bridging, development facilities, development exit, and the refinance onto term debt at the end.
Mixed-asset investor
Commercial and semi-commercial mortgages, term loans across the book, cross-charged structures and lender consolidation.
Calculators
Numbers first.
Calculators built to the way lenders actually underwrite portfolio landlords. Run yours, then pass the figures to a broker.
Bridging loan calculator
Total cost of a bridge: interest, fees, and net day-one advance.
Open calculator →
Commercial mortgage calculator
Repayments, interest cover and maximum loan on a commercial purchase.
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Development finance calculator
Facility size from GDV, build cost and land: LTGDV, LTC and profit on cost.
Open calculator →
HMO mortgage calculator
Maximum HMO loan from room-by-room rent, with HMO-specific stress profiles.
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Portfolio LTV and ICR calculator
Portfolio LTV, weighted ICR and capacity for a top-up.
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Buy-to-let stress test calculator
Maximum loan and pass/fail per lender stress profile.
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Limited company vs personal calculator
Comparative tax outcome over five and ten years.
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Buy-to-let stamp duty calculator
SDLT, LBTT and LTT including the 5% additional dwelling surcharge.
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Rental yield calculator
Gross and net yield with a back-of-envelope ROI estimate.
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Refurb-to-BTL ROI calculator
ROI, cash left in deal and refinance proceeds on a refurb-to-rent.
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Bridge-to-let cost calculator
Total cost of a bridge plus the exit funding required.
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Enquiry
Speak to a broker
Same-business-day callback. Fee-free initial consultation. Whole-of-market access to our 100+ buy-to-let lender panel.
- →Whole-of-market panel: 100+ specialist BTL lenders.
- →Same-business-day callback during office hours.
- →Initial consultation always fee-free.