Portfolio BTL Mortgages

We have a range of options for BTL Portfolio Mortgages to suit your circumstances. Find and compare your best quote.

  • Wide range of Portfolio options- LTD Companies, Student Lets
  • We’ll find the best rate available to you
  • Getting a quote WILL NOT affect your credit
  • Compare both Leading and Specialist Lenders
  • Expert advice from Portfolio specialists

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    Buy-To-Let loans from £10k to £1m

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    Portfolio Mortgage

    Buy-to-let portfolio mortgages are products designed to suit the specific needs of landlords and property investors who own, or are planning to own, more than one buy-to-let property. Mortgages for multiple properties are typically available to landlords with at least 3 or 4 properties.

    Landlords with a number of properties have what is known as a property portfolio. The benefit of this set up is the landlord’s ability to spread their risk across a broader range of property types. For example, if you already have a number of lets for young professionals, a property for a family or a student let will help to spread your investment between properties which are subject to different market forces. This approach can reduce the risk of the investment, and help to smooth any unexpected costs.

    Mortgages for landlords with a property portfolio are relatively niche, but there are some lenders out there that specialise in exactly this type of deal. Buy-to-let mortgages for professional landlords are treated as a single mortgage account, irrespective of the number of properties the portfolio contains.

    Mortgages for property portfolios are also advantageous because they allow landlords to borrow more than the value of an individual property. This can be an easy way to fund the additional costs of refurbishing or redecorating a property to make it suitable to let.

    Property portfolio mortgage considerations

    As with every type of investment, a property portfolio is not without its risks and there are no guarantees as to the rental returns or the capital gains your properties will generate. You should also be aware that most mortgages for landlords are arranged on an interest only basis, as this allows the landlord to deduct the interest only portion of the mortgage as a deductable expense.

    At Mortgage Advisor.co.uk, we work with an experienced network of mortgage advisors including a number of specialists in the field of buy-to-let mortgages for professional landlords.

    This page contains a quick snapshot of the factors you should consider to help you find the right mortgage deal for you. For a free, no-obligation discussion about your particular circumstances, please complete our enquiry form and one of our experienced property portfolio mortgage advisors will be in touch.