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Mortgage Advice for Portfolio Landlords

Mortgage Advice for Portfolio Landlords

Are you a landlord looking to expand your property portfolio? Or do you want to remortgage your buy to let properties? If so, we can help. Our service includes:

  • Access to specialist lenders and exclusive deals
  • Flexible appointments to fit round you
  • Experience with HMO, Airbnb and Holiday Lets
  • Bespoke, personal service

Get in touch for a free, no obligation conversation. We have the experience to make a difference to you.

Mortgage Advice for Portfolio Landlords

Mortgages for Portfolio Landlords Explained

Generally lenders will consider you a portfolio landlord if you own more than 4 properties.

If you are a Portfolio Landlord, you have two main mortgage routes available to you:

  • Standard Buy to Let mortgage

With a standard Buy to Let mortgage, you will have different mortgages on each of your properties.

  • Portfolio Mortgage

With a Portfolio Mortgage, all of your properties will be on a single, portfolio mortgage. There will be one monthly payment and one lender.

There are pros and cons for going down both routes and we can explain these to you. Some people like the simplicity of one monthly payment and don’t mind potentially paying a higher fee. Other investors prefer the flexibility of keeping the mortgages separate and handling the different communications.

When it comes to affordability, the lender will stress test your mortgage together with your background portfolio to ensure you can afford your mortgage repayments. The sorts of things they will assess are:

  • Your experience as a landlord
  • All the other mortgages that you hold
  • Income and cash flow from your existing property portfolio
  • They can assess other income
  • Your assets and liabilities

We will take time to go through this with you and ensure we choose the most appropriate option for you.

Get in touch today for Portfolio Landlord Mortgage Advice and let us do the hard work for you.

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Meet the advice team

How we work with Portfolio Landlords

Many of our clients start with one property and then, over time, expand their portfolio. We also have clients who came to us with an existing portfolio and want us to handle the mortgages for all their properties. We also have Experience with HMO, Airbnb and Holiday Lets.

As a Mortgage Broker with experience working with professional landlords we can help by simplifying the process and doing the hard work so you don’t have to.

Lender criteria is something we spend time to understand. We are experts in knowing which lenders have restrictions in place and which ones would work for your circumstances.

We have relationships with specialist mortgage lenders, many only lend through mortgage brokers like us. Your Mortgage Expert also has access to exclusive and semi exclusive deals.

We will work with you to pull together all the documents you need. With flexible appointments to suit your busy schedule.

How we work:

  • Personalised, hard working service
  • Search 1000s of deals from multiple lenders
  • Detailed research to ensure you save money
  • Take care of the paperwork to minimise stress
  • By your side from application to completion
  • The experience to get a good result for you

Contact us today for Portfolio Landlord Mortgage Advice and see how we can help you get a successful outcome.

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Your Mortgage Expert is a trading name of Your Mortgage Expert Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Registered Office Address: 18 New Canal, Salisbury, England, SP1 2AQ. Registered in England Number: 08924507.

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