Portfolio Mortgages
for Landlords

Looking to expand your portfolio of properties? Enjoy convenience, flexibility and one monthly repayment with a portfolio mortgage. Our expert portfolio mortgage brokers help secure the best mortgage terms for landlords, at the best price.

Manage your buy-to-let mortgages under one account

If you’re a landlord with four or more buy-to-let rental properties, you’re eligible for a portfolio mortgage. It works in the same way as a buy-to-let mortgage and offers the same benefits.

While you don’t have to get a portfolio mortgage if you have four or more properties, it’s a valuable step as a business. Portfolio mortgage lenders are specialists, making it easy to tailor mortgage loan terms to your specific needs and financial situation.

One monthly repayment

Instead of juggling multiple repayments each month, a portfolio mortgage consolidates your existing mortgages. Managed by one lender, you’ll only have one monthly repayment.

There are also a few other benefits of portfolio mortgages:

  • Funds withdrawn from a portfolio are taxed entirely, rather than solely on net income
  • You can retain portfolio funds and renovate properties or invest further
  • Lower corporation tax bill as outgoings are considered expenses
  • It’s easy to use the equity in your portfolio to buy more properties.

    Getting your portfolio managed as a landlord

    All lenders offer differing terms and conditions, so it’s important to find the right one for your needs. With plenty of options available, our portfolio advisers can help you secure the right mortgage.

    A portfolio mortgage is a specialist product, which naturally requires the expertise and experience of a specialist mortgage adviser. At Mortgage Synergy, we’ll take care of everything on your behalf, so you can focus on your day-to-day tasks as a landlord.

    We aim to make the process of consolidating your mortgages as easy as possible. Since you’re buying properties to earn a living, lenders will request your business plan and property schedule.

    This is alongside the regular documents needed for a buy-to-let mortgage. Our portfolio mortgage for landlords advisers will make sure you have everything you need to submit your application.

    Why work with our portfolio mortgage advisors?

    Organising and keeping track of multiple mortgages at the same time can be time consuming. It also requires careful planning to ensure you repay on time.

    As experts, we’re here to share our knowledge and make sure you get the most suitable portfolio mortgage terms for your business. We understand the complexities of the property market, so rest assured your buy-to-let properties are in safe hands.

    Our team is here to:

    • Find you the right type of portfolio mortgage for your circumstances
    • Ensure you understand how a portfolio mortgage works
    • Explain how your new portfolio mortgage rate is calculated
    • Inform you of charges or fees associated with a portfolio mortgage
    • Overcome any hurdles you may face during the application process
    • Secure you the right mortgage terms for the most competitive price.

    FAQs

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