Own four or more mortgaged properties? You're a portfolio landlord, and you need specialist advice. We work with lenders who welcome portfolio applications.
Expert Advice for Portfolio Landlords
Since 2017, landlords with four or more mortgaged properties are classified as portfolio landlords. This triggers additional underwriting requirements — lenders must assess your entire portfolio's performance, not just the individual property you're borrowing against.
Not all lenders accept portfolio landlord applications, and those that do have varying approaches to assessing your portfolio. Some require full details of every property including rental income, outstanding mortgage, and property value. Others take a more streamlined approach.
We specialise in portfolio landlord applications and know exactly which lenders work best for different portfolio sizes and compositions. Whether you have 4 properties or 40, we'll find the right lender with competitive terms.