BTL & Portfolio Lending
Portfolio refinances, SPV structures, mixed-use HMOs.
Portfolio landlords and SPVs deserve a partner who reads the whole portfolio, not just the next property.
Ticket size
£500K – £40M
Turnaround
Decision in 5 days
Capital partners
38+
Composes with
3 sectors
Key highlights
What sets this apart.
Portfolio aggregation
SPV-friendly
HMO / MUFB
The problem
Why this capability exists.
Portfolio landlords are penalised by lenders who only score the next property — ignoring the strength of the whole book.
Our approach
- 01
Build a portfolio dashboard with stress-tested coverage ratios.
- 02
Match against lenders that aggregate portfolio income.
- 03
Stagger refinances to optimise rates and product fees.
Outcomes you can expect
- Average gearing increase of 11% vs incumbent
- 12-day average decision-in-principle
- 60+ active portfolio relationships
Typical structures
How btl & portfolio lending deals are commonly built.
Indicative structures we orchestrate across our capital partners. Final terms depend on borrower profile, asset and exit.
Capital & Interest
Standard amortising loan, 5–30yr terms, fixed or tracker.
Interest-Only
Asset-backed exit; common for HNW, BTL portfolios and private bank clients.
Offset / Lombard
Liquid assets pledged to reduce effective rate; private bank structures.
Library OS
Live signal · stack ideas · audience fit.
Three modules that turn this capability page into an orchestration view, not a brochure.
Lender appetite right now
What our desk is seeing on this capability this week.
- up
Specialist bridging house · Refurb-to-let bridge
Reopened postcode list across NW + Yorkshire. Faster valuations via desktop AVM.
Now lending to 80% LTV (was 75%)
- down
Tier-1 challenger bank · Senior development
Credit committee re-priced post-MPC. Repeat sponsors with delivered comparables only.
−25 bps on 65% LTGDV
- down
Family-office mezzanine · Stretched mezz on resi dev
Rotating out of equity into debt. Wants £3–8m strips, full QS oversight.
Hurdle IRR cut 150 bps for repeat sponsors
Who this fits
Audience fit, scored from the brief.
SME founders & CFOs
100%
Working capital, growth funding, asset finance, invoice finance.
Property developers & investors
75%
Bridging, development finance, BTL portfolios, refurb-to-let.
HNW & family offices
50%
Structured credit, complex cases, cross-border, tax-efficient capital.
Brokers & intermediaries
0%
Lender intel, criteria shifts, packaging playbooks.
Composes well with
Stack ideas our desk has placed before.
Re-Bridging Finance
Replace an expiring bridge before it defaults.
Property & Landlord Insurance
Cover that fits the asset, not a template.
Regulated Bridging
Chain-break and own-home bridging in 5–10 days.
Unregulated & Commercial Bridging
Investment, refurb and exit bridges from £100K – £25M.
Test the fit
Two interactive tools, no credit footprint.
Score your eligibility and model the deal economics before you ever talk to us.
Eligibility quick-check
Get an instant indication.
Five quick questions. No credit footprint. We'll show you a fit score and what to do next.
- Is the asset based in the UK or selected EU jurisdictions?
- Do you have a clear exit (sale, refinance, term loan)?
- Have you completed a similar transaction in the last 5 years?
- Can you contribute 25%+ equity / deposit?
- Is borrower credit history broadly clean?
0/5 answered
Answer to see your fit score
Scenario calculator
Model the deal.
Indicative only — final pricing reflects your actual lender quote.
Monthly
£89k
Total interest
£103k
Arrangement fee
£30k
Effective APR
9.83%
What happens next
Lender panel preview & document checklist.
Indicative lender match
Who we'd quote on day one.
Anonymised preview from our 90+ lender panel. Real allocations are tuned to your file.
- Tier-1 Clearing Bank ATier 1
Term & RCF
Indic. BoE +1.95%
- Specialist Bridging Bank BSpecialist
Bridging / Refurb
Indic. 0.79%/mo
- Private Bank CPrivate
Lombard / Mortgage
Indic. BoE +1.30%
- Alt Lender DAlt
Stretched Senior
Indic. 9.25% pa
- Specialist Dev Lender ESpecialist
Senior Development
Indic. 10.45% pa
- JV Equity Partner FAlt
Mezz / JV
Indic. 12% pref + share
Document checklist
What we'll need.
Indicative pack to get you a credit-quality answer in days, not weeks.
- Photo ID + proof of address (all parties)
- Last 3 months bank statements
- Asset / scheme summary or sales particulars
- Schedule of works (if refurb / dev)
- Personal asset & liability statement
- Latest filed accounts (if SPV / corporate)
- Source of deposit evidence
- Exit evidence (sale memo / refinance AIP)
FAQs
Frequently asked
The questions clients always ask.
Same business day for clean bridging cases; 24–48 hours for development senior debt; 3–5 days for complex private-bank mortgages.
No. Enquiries are soft-search only until you formally accept terms.
Yes — selected jurisdictions across the EU, Channel Islands, and prime international markets via private-bank partners.
Brokerage is paid by the lender on completion in most cases. For complex structuring engagements we agree a success fee in advance.
Short enquiry
Tell us about your btl & portfolio lending requirement.
A specialist will respond within one business hour. No credit footprint.