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You may have to pay an early repayment charge to your existing lender if you remortgage

Portfolio Buy-to-Let Landlords

Portfolio buy-to-let mortgages cater to landlords who own multiple rental properties. Unlike standard buy-to-let mortgages, these specialist products consider your entire portfolio and the overall financial health of your investments.

Application Process:

  1. Evaluate Your Portfolio: Organise detailed information about all your properties, including their value, rental income, and existing mortgage details.

  2. Speak to a Specialist Lender or Broker: You’ll need to find a lender who specialises in portfolio lending. A mortgage broker can help with this.

  3. Submit Your Application: Provide details of your portfolio, income, expenses, and any future investment plans. You’ll also need to submit financial documents, such as bank statements and tax returns.

  4. Lender’s Stress Test: The lender will apply stress tests to assess whether your rental income is sufficient to cover mortgage payments, even under challenging conditions.

  5. Portfolio Valuation: The lender will conduct valuations on your properties to ensure they meet the required loan-to-value (LTV) criteria.

  6. Receive Your Mortgage Offer: Once the lender is satisfied with your portfolio’s performance, they will issue an offer.

Factors Lenders Consider:

  • Portfolio Performance: Lenders will examine the rental income, void periods, and the equity held across your properties.

  • Loan-to-Value (LTV): Most lenders will require an LTV of 75% or lower across the portfolio.

  • Experience as a Landlord: Experienced landlords with a successful track record are viewed more favourably.

  • Stress Testing: Lenders will ensure that rental income is sufficient, even if interest rates rise or rental demand fluctuates.
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Top Tips

  • Keep Detailed Records: Lenders will want to see clear evidence of income, expenditure, and portfolio performance.

  • Regularly Review Your Portfolio: Ensure that your rental yields and property values stay in line with the lender’s expectations.

  • Work with a Specialist Broker: They can help you navigate the complex requirements of portfolio mortgages and find the best lender for your needs.

Mortgage repayment calculator

Work out your repayment

£

10%

1%

5.25%

£1421

Monthly Payment

Principal & Interest £1421

Monthly Taxes £1421

These results are for a repayment mortgage and are only intended as a guide. Make sure you obtain accurate figures from your lender before committing to any mortgage. Your home may be repossessed if you do not keep up repayments on a mortgage.

Looking for a Residential Mortgage?​

If you’re getting on the property ladder, a Liverpool Mortgages can help you navigate the house buying process.
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