If you are a landlord who owns a portfolio of Buy-to-Let properties, we can find you a mortgage lender who is experienced in financing multiple properties to make things easier for you.

Saving time and money is an essential part of managing a successful portfolio growth plan. Nowadays the ever-increasing complexity of Buy-to-Let mortgage criteria and lending options can put a strain on your profits and time. 

For more than 30 years we have helped landlords achieve their property aspirations.  This could be advice on starting and building a portfolio or advice for landlords with large portfolios looking to leverage and expand.

Speaking to an expert broker can help you to understand all of the options available to you to ensure the process is as smooth as possible.  This includes growing portfolios through normal Buy-to-Let (BTL) properties, holiday lets, student lets, or even houses of multiple occupation (HMO).  You may even be in circumstances where using a limited company could be beneficial.


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0344 346 3672
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We can help portfolio landlords with a broad range of needs including:

  • Portfolios ranging from 4 to 100’s of properties
  • Purchasing a property at auction
  • Student Buy to Lets
  • Multiple flats under one freehold
  • Remortgages within 6 months of ownership
  • Clients able to demonstrate little or no taxable income
  • Property development
  • Limited company Buy to Let arrangements
  • Homes of multiple occupation
  • Semi-commercial properties


Why are Portfolio Landlord Mortgages difficult to secure?

We find that many high street lenders are reluctant to support what they consider to be portfolio landlords.  Most simply do not offer the breadth of product choice or criteria to support professional landlords.

Finding a lender who will look at the performance of your portfolio in its entirety, rather than on a property by property basis is not easy.  We can help you to navigate the stringent minimum rental coverage calculations and can also simplify your mortgage arrangements.

An expert mortgage broker will assess your portfolio, taking into consideration the value of each mortgage, monthly repayments, monthly rents, estimated property values and any unencumbered properties.

How much can I borrow?

Mortgage loan calculator
First applicant

First mortgage applicant

* £
Second applicant

Second mortgage applicant

* £

As a guide, you could potentially borrow around:


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How can John Charcol help with Buy-to-let Portfolio Mortgages?

John Charcol has accrued over 30 years' experience in finding the best portfolio mortgages for professional landlords, so call 0344 346 3672 to see how we can help with your multiple property mortgage.

Our experts are highly experienced at helping to arrange portfolio landlord mortgages quickly, with minimal disruption to your busy lifestyle. We have access to the whole of the mortgage market, allowing us to offer impartial advice and support to help guide you through the finance options available to you as a landlord.

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