Portfolio BTL

Buy-to-Let Portfolio Mortgages Made Simple with CMA Mortgage Brokers

Are you a professional landlord, property investor, or limited company director looking for effective ways to manage or expand your buy-to-let portfolio? At CMA Mortgage Brokers, we specialise in providing tailored mortgage solutions to meet the unique needs of portfolio landlords.

Whether you’re aiming to secure a new rate, release equity to invest in new properties, or plan long-term strategies for your investments, we’ve got you covered.

Why Choose a Buy-to-Let Portfolio Mortgage?

A buy-to-let portfolio mortgage streamlines the process of managing multiple properties by securing the loans across your entire portfolio of four or more properties. With portfolio mortgages, the lender assesses property values, rental yields, tenant profiles, and locations holistically, creating a comprehensive solution for professional landlords.

Portfolio finance can be especially valuable for landlords managing properties with diverse ownership structures, including limited company buy-to-lets and mixed personal ownership. Plus, it allows everyone from experienced investors to growing businesses to optimise their investment strategies.

Tailored Advice for Portfolio Landlords

At CMA Mortgage Brokers, we understand that no two property portfolios are the same. That’s why we take a personalised approach, crafting solutions to suit your specific investment goals, whether that’s paying down your portfolio efficiently or remortgaging to scale your property collection.

Our expertise spans across property types, including HMOs (Houses in Multiple Occupation), freehold blocks of flats, student lets, and semi-commercial properties.

How a Buy-to-Let Portfolio Mortgage Works

A portfolio mortgage works by considering the overall value and rental income of all properties in your investment portfolio. Loans are typically offered up to 75% loan-to-value (LTV), and depending on your needs, the solution may involve a single lender or multiple lenders. Here’s how we approach portfolio finance:

1. Collate Your Data

Start with a clear overview of your property portfolio. We’ll need a simple spreadsheet showing the property values, rental incomes, existing mortgage details, and tenant profiles.

2. Discuss Your Goals

We work with you to define both your short-term and long-term objectives. Whether it’s minimising costs, releasing equity, or diversifying investments, our tailored solutions will help you achieve them.

3. Offer Bespoke Portfolio Solutions

Based on the data and your goals, we create a customised financing plan to streamline your investments and ensure maximum returns.

One Lender vs Multiple Lenders

A buy-to-let portfolio mortgage can be secured with either a single lender or a combination of lenders, and each option comes with its pros and cons.

Advantages of a Single Lender

Advantages of Multiple Lenders

At CMA Mortgage Brokers, we often recommend working with multiple lenders to maximise flexibility and secure the best rates.

Building a Portfolio as a Professional or Limited Company Landlord

Tax changes in recent years have motivated many landlords to incorporate their property portfolios into limited companies or LLPs. If you haven’t done so already, please seek advice from your accountant which is right for your circumstances.

Benefits of Reviewing Your Portfolio Mortgage

Regularly reviewing your buy-to-let portfolio can help you adapt to changing rental markets, ensure compliance with tax regulations, and achieve your investment goals with the most cost-effective financing. Here’s what we evaluate during a review session:

Our team will work closely with your accountant to optimise your portfolio’s financial performance while aligning with tax regulations.

Stress Testing Your Portfolio

Lenders conduct two types of stress tests for buy-to-let portfolios:

This assessment evaluates the annual rental income versus the loan amount for individual properties. For limited company landlords, this often allows for higher borrowing amounts.

This looks at the overall LTV and rent-to-loan ratios for the full portfolio, ensuring the portfolio remains financially sustainable.

We’ll ensure your application meets lender-specific criteria for both stress tests to facilitate a smooth process.

Types of Property We Cover

CMA Mortgage Brokers provides financing for a wide variety of property types, including but not limited to:

Whether your portfolio is designed for long-term income or rapid capital growth, we’ll create solutions to match your goals.

Frequently Asked Questions

There is no limit. You can have as many buy-to-let mortgages as you need in your portfolio.

Yes, any property involved in a mortgage will require a valuation—either a physical one or a desktop valuation (AVM).

Yes. Solicitors will handle the legalities, such as title checks and registering charges at the Land Registry.

The process usually takes 4 to 12 weeks, depending on documentation and lender requirements.

Larger loan amounts associated with portfolio mortgages may give you access to more competitive mortgage rates.

At CMA Mortgage Brokers, we are experts in buy-to-let mortgages, with years of experience working with portfolio landlords. Our in-depth knowledge of the UK mortgage market enables us to secure the most competitive rates and terms across the board. If you’re ready to optimise or expand your property portfolio, contact CMA Mortgage Brokers today.

Buy-to-Let Portfolio Mortgages Made Simple with CMA Mortgage Brokers

Why Choose a Buy-to-Let Portfolio Mortgage?

Tailored Advice for Portfolio Landlords