Browser Not Supported

We no longer support Internet Explorer 11 as a browser.
Please download a more secure modern browser below.

A guide to our Portfolio Buy-to-Let and Specialised Residential Investment loans

10th June 2021

We’ve been helping professional landlords meet their residential property investment aspirations for years, and we’ve recently revamped our products so that we can offer the best support possible.  From landlords with a small number of properties, to larger investors with more complex portfolios, we offer specialist loans to meet a range of ambitions. Here’s a guide to our two products – Portfolio Buy-to-Let and Specialised Residential Investment – explaining how they work, how they differ, and who they’re for.  

Portfolio Buy-to-Let

What is the Portfolio Buy-to-Let loan? 

We created our Portfolio Buy-to-Let product especially for professional landlords looking for one loan to house their entire residential property portfolio. It’s a practical solution to help professional landlords stay organised and perhaps release equity for further acquisitions. 

Who is it for? 

Our Portfolio Buy-to-Let loan could be for you if you’re a professional landlord, trading as either a Ltd Company, LLP, partnership, or sole trader. 

It’s for landlords with residential portfolios made up of between four and 15 properties, looking for a loan of up to £5m, with an LTV of up to 70%. We offer a 10-year term and can accept small multi-unit blocks (up to four units) as part of the portfolio. 

To make things easy, we’ve put together a portfolio and landlord checklist that you can use to cross reference criteria and suitability.  

How does it work? 

Our Portfolio Buy-to-Let loan is interest only, meaning you’ll make interest payments each month, and repay the full loan at the end of the term. When you apply for the loan, we’ll agree the amount you can borrow up front. 

You’ll be given a dedicated Relationship Manager, so you’ll always be able to speak to someone who knows the details of your portfolio and understands your situation.  

We understand that lots of our clients are active landlords, so, if you’d like to make any changes to your portfolio after completion, just get in touch with a proposal and we’ll work with you to try and find a solution .  

What are the benefits? 

Landlords tell us that there are two key benefits to our Portfolio Buy-to-Let loan: 

  1. You can house your entire portfolio under one loan – keeping things simple and straightforward  
  1. We’ll let you swap properties in and out of the portfolio as your ambitions grow and change – meaning you’ve got the flexibility to focus on what’s important. 

Specialised Residential Investment 

What is the Specialised Residential Investment loan? 

Our Specialised Residential Investment loan is similar to our Portfolio Buy-to-Let loan, but works well for larger investors, or those with residential portfolios that are a little more complex. 

Who is it for? 

If you’re a professional investor, trading as either a Ltd Company, LLP, or sole trader, looking for a loan of up to £10m with an LTV of up to 65%, our Specialised Residential Investment loan could be for you.  

We’ll look at portfolios with more than 15 properties, with no maximum portfolio size – making it great for larger investors with ambitions to grow. We can also support you with residential portfolios that’re a little out of the ordinary. We’ll consider multi-unit blocks, houses of multiple occupancy (up to 6 beds in a single property), and a little commercial mixed use (like a small shop).  

How does it work? 

We know you need a repayment plan that suits your business, and are happy to consider both interest only and repayment options. When you apply for the loan, we’ll agree the amount you can borrow up front, as well as agreeing on a monthly repayment plan and a strategy for final capital repayment if you opt for an interest only package.  

You’ll be given a dedicated Relationship Manager, so you’ll always be able to speak to someone who knows the details of your portfolio and understands your situation.  

If you need to borrow more money throughout, we can consider this under our ‘flexible amendments’ feature. On completion, you can get in touch with us to chat through your proposal, and we’ll look at ways we can work together to achieve your ambitions. 

What are the benefits? 

Our expert team have years’ of experience structuring complex residential investment loans, so we’re well placed to understand that each portfolio is different. We’ll work hard to make sure we really understand your goals, and how we can best support them. 

When assessing your application, we’ll try to be as flexible as possible, looking at property quality, location, tenant covenant, and investor experience, as well as property type and sector.  

How do I know which loan is right for me? 

The best way to work out which loan is right for you is to review the criteria carefully, and speak to a trusted broker or financial advisor who’ll be able to guide your decision.  

As a general rule, our Portfolio Buy-to-Let loan is suited to landlords with smaller, more straightforward portfolios, while our Specialised Residential Investment works for larger investors with a more complex mix of properties.  You can find out a little more information on each loan here, as well as finding our contact details when you’re ready to get started: 

If you have any questions or would like to find out any more information, you can also give us a call and speak to our experienced team, who’ll be happy to help run you through the way the different loans work in more detail.  

Related Articles