Landlord profiles

Finance for portfolio landlords: five profiles, one desk.

A landlord with four mortgaged single-lets, an SPV group with thirty units and a developer holding finished stock are not buying from the same lender pool. We treat the differences as the starting point. Build the case once, run it across 100+ lenders.

Profile 01

Portfolio landlord

Four or more mortgaged BTLs, in personal name, SPVs or both.

Once you hold four or more mortgaged buy-to-lets, lenders underwrite the whole book: full portfolio schedule, aggregate LTV, weighted interest cover, and background stress on every property you own. Done badly, that process drags for weeks and kills pricing. We maintain your portfolio schedule in the format each lender expects, model lender concentration limits before they bite, and structure new debt so a single refinance does not destabilise the rest of the book.

Start with portfolio landlord mortgages, and where a book has grown across too many lenders, term loans can consolidate it into cleaner cross-charged facilities.

Profile 02

Limited company investor

Builds and holds inside SPVs, sometimes under a holding company.

Around 60% of new buy-to-let now completes inside a limited company, and the lender pool that serves SPVs properly is a specialist one. We place new SPVs with no accounts, structures with holding companies over multiple SPVs, inter-company loans and director loan arrangements, and the incorporation of an existing personal-name book where the Section 24 maths justify it. Expect pricing 0.2% to 0.5% above personal-name equivalents as of June 2026, usually recovered several times over in tax treatment.

See limited company buy-to-let for structure and lender access, and run the comparison on our limited company vs personal calculator before committing.

Profile 03

HMO and MUFB operator

Runs licensed HMOs, multi-unit blocks, or both.

HMOs and multi-unit blocks live on a different lender list with a different valuation argument. The gap between a bricks-and-mortar valuation and an investment valuation on a large licensed HMO can be six figures, and which one you get depends on the lender, the valuer instruction and how the case is packaged. We align licensing, Article 4 position and tenancy evidence before the valuer is instructed, not after. HMO and MUFB rates run 5.0% to 6.5% as of June 2026.

Read HMO mortgages for small and large licensed schemes, and MUFB mortgages for blocks of flats on a single freehold title.

Profile 04

Developer-landlord

Buys, refurbishes, converts or builds, then holds or sells.

Buy-refurbish-refinance, conversions and ground-up schemes need the debt sequenced as one transaction, not three. We arrange the acquisition bridge, the works funding and the term exit together, so the refinance is agreed before the bridge completes rather than hoped for at the end. Bridging prices 0.75% to 1.10% per month and development facilities 7% to 11% per annum as of June 2026, sized on loan-to-GDV and loan-to-cost.

Start with bridging loans for refurbishment and auction work, and development finance for conversions, ground-up schemes and development exit.

Profile 05

Mixed-asset investor

Holds residential alongside semi-commercial and commercial stock.

Many professional landlords end up holding semi-commercial and commercial stock alongside the residential book: a parade with flats above, an industrial unit, an office let to a decent covenant. Commercial debt prices on yield, covenant and lease length rather than a simple rental stress, 6.5% to 8.5% as of June 2026, and the lender pool spans specialist, challenger and high-street banks plus the odd building society and private bank. We arrange both sides of the book and keep the overall gearing coherent.

See commercial mortgages for investment and semi-commercial stock, and term loans for structured debt across the whole portfolio.

Questions

Portfolio landlord finance, asked and answered.

What counts as a portfolio landlord?

Under the PRA rules lenders have applied since 2017, a portfolio landlord is anyone with four or more mortgaged buy-to-let properties, counted across personal names and limited companies combined. Cross that line and lenders underwrite the whole portfolio, not just the new purchase: full property schedule, aggregate LTV and weighted interest cover.

How is finance for portfolio landlords priced as of June 2026?

As of June 2026, buy-to-let five-year fixes sit between 4.5% and 5.75% depending on LTV, property type and structure. Limited company cases typically price 0.2% to 0.5% above personal-name equivalents. HMO and MUFB products run 5.0% to 6.5%. Bridging prices at 0.75% to 1.10% per month, development finance at 7% to 11% per annum, and commercial mortgages at 6.5% to 8.5%.

Do you arrange finance for SPVs with no trading history?

Yes. Most specialist lenders write to new SPVs with no accounts, provided the SIC code is right (68209 or 68100), the directors give personal guarantees and the underlying deal stacks. We also handle layered structures, a holding company over one or more SPVs, where the lender pool is narrower and the guarantee structure matters more.

What do you charge?

We charge 1% of the loan amount, payable only on successful drawdown. The procuration fee paid by the lender is taken first, and you top up the difference only where the lender's proc fee comes in below 1%. If the case does not complete, you pay nothing.

Do you handle regulated mortgages?

No. Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority and arranges non-regulated landlord, bridging, development and commercial finance only. If your case falls into the regulated regime, for example Consumer Buy-to-Let or a loan secured on your own home, we will refer you to an FCA-authorised firm.

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.

Worked example

A non-regulated buy-to-let mortgage of £200,000 on a property valued at £300,000 over a 25-year term, on a 5-year fixed rate at 5.49% reverting to a variable rate, would have monthly interest-only payments of approximately £915. The capital balance remains outstanding at the end of the term and must be repaid by sale, refinance, or capital repayment from another source. Rates correct as of June 2026. Illustrative only; actual product, rate and fees vary by lender and case.

Lender panel and fees

We have access to a panel of 100+ specialist buy-to-let lenders, including high-street, specialist, and challenger banks. Initial consultation is fee-free. We charge 1% of the loan amount, payable only on successful drawdown. The procuration fee paid by the lender (typically 0.30% to 0.55% on BTL, up to 1% on bridging and commercial) is taken first; you pay the difference up to 1% only where the lender's proc fee is below 1%. No fee at all if the case does not complete. Exact figures are confirmed in writing before you commit.

Regulatory status

Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange non-regulated buy-to-let mortgages, bridging loans, development finance and commercial mortgages only. We do not arrange Consumer Buy-to-Let or other regulated mortgages, if your case falls into the regulated regime we will refer you to an FCA-authorised firm.