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Portfolio Landlords


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029 2069 1010

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At Buy-to-let Direct, we are specialists in finding solutions for portfolio landlords. Over the last 5 years, we have seen a steady rise in the number of landlords purchasing further investment properties, or refinancing to a better deal, and we take pride in helping landlords fulfil their aspirations. We can help arrange finance for you, whether you own four, or forty rental properties.

Whatever your situation, we can help. Our team has an in-depth knowledge of portfolio lending criteria and with access to the whole of the market, we are ideally placed to help you find the perfect buy-to-let mortgage to suit your individual requirements. You can also get a free quote online, and access to our specialist buy-to-let sourcing system, allowing you to compare products and apply for your portfolio mortgages from the comfort of your own home.

Portfolio Management Services

  • What is a portfolio buy-to-let mortgage?

    This type of finance is aimed at landlords who have four or more mortgaged buy-to-let properties. There are different options on how to structure this type of lending - we’ll talk you through these after going through an initial discussion over the phone.

    We will need to know the estimated value of each property, the size of each mortgage, and monthly rental income in order to assess the portfolio against lender criteria. Portfolios include all buy-to-let properties where the landlord owns any share (including jointly with another party or via any limited companies).

  • How many buy-to-let mortgages can you have?

    There is no limit but some mortgage lenders may have their own criteria on the maximum number of properties you can own in a portfolio as a private landlord, or the total amount you can borrow across your portfolio. This is where we come in and is something our expert team will take into consideration when researching your options.

  • Remortgaging to expand your portfolio:

    This is possible to do, many of our landlord customers will take advantage of increased equity by raising funds against their existing rental properties to expand their portfolios. The lender will look at the amount of equity you have, which is the difference between the value of the property and the amount you owe on the mortgage. They will also want to know the rental income and this must meet a ‘stress test’, which is a calculation determined by each lender individually.

    As each lender has different rules when assessing the portfolio, property, and applicant, it’s essential you get the right help early on. This is where our team of experts can help find you find the right lender, at the right interest rate, to help you achieve your goals as a portfolio landlord.

  • Which lenders offer the most competitive rates?

    This depends on your circumstances, however our team can access the whole of the market, so will be able to find the most competitive product for you. If you approach a lender directly you are not getting the overall view of the market and will only be able to see their products.

How Buy-To-Let-Direct can help with Managed Portfolio Services

How we can help

  • Many specialist buy-to-let lenders are not accessible directly to landlords and you will need to go through a specialist broker such as Buy-to-Let Direct.
  • Applying for a buy-to-let can be very time consuming, with lenders asking for more documentation than a traditional residential mortgage. This can slow things down and create more work. As specialists in buy-to-let mortgages, we can help take the pain away by managing your application right through to offer as well as help you with the necessary paperwork.
  • We offer a free Managed Portfolio Service.

Portfolio Management Service

Free service

Available for portfolio landlords, offering:

  • Reminders when one of your mortgages is due for renewal, helping you avoid going on to a high variable rate.
  • A free, no obligation review of the market, helping you to secure a new rate.
  • Access to our free online sourcing system so you can keep an eye on mortgage rates.
  • Very competitive fees – nothing payable until after we do the research and provide you with options and the decision in principle has been received.
  • Our processing team manage your application to mortgage offer.
  • Reduced application fees – we can offer a refund of fees for multiple applications done at the same time.
Free Portfolio Management

This website aims to give you general information. It is not advice, nor can it take account of your own particular circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of mortgages.

Buy-to-Let Direct Limited: registered in England no. 06664758 : Regus House, Malthouse Avenue, Cardiff Gate Business Park, Mid Glamorgan, Cardiff, CF23 8RU. Buy-to-Let Direct is an Appointed Representative of The Business Mortgage Company Services Ltd, which is authorised and regulated by the Financial Conduct Authority (No. 302764) to transact regulated mortgages and registered as a Consumer buy to let arranger. The FCA does not regulate some investment mortgage contracts.