Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Once you reach four mortgaged buy to let properties, you become a 'portfolio landlord' in the eyes of UK lenders, and the rules change. Stress tests get tougher, the lender market narrows, and underwriting reviews your entire portfolio rather than just the property in front of you. AB Mortgages specialises in funding portfolio landlords through every stage of growth, from your fourth property through to professional landlord status with 50+ units.
The existing portfolio fails the lender's 145% at 5.5% background stress test. Application declined before the new property even gets a look.
Going to a high-street bank that has effectively closed to portfolio landlords. Six weeks wasted before the decline lands, and the chain has moved on without you.
Treating each refinance as a single transaction rather than coordinating the portfolio as one connected capital structure. Rate clashes, exit penalty pile-ups, missed equity windows.
We stress-test every existing property against every relevant lender's PRA maths before we approach anyone on your behalf. No application fees on cases we know won't fly.
Direct relationships with the specialist BTL lenders, challenger banks and bespoke building societies that actually fund portfolios at scale.
Sequenced refinances, coordinated exits, capital raises lined up with new purchases. One plan, not twelve unconnected applications across the year.
Every property, every mortgage, every rate, every term. We model the whole portfolio in one place before recommending anything.
Which rates end when, and which exit penalties cluster. The timing of these windows decides the sequence of the refinance plan.
Adding properties, consolidating onto portfolio loans, incorporating. The wider plan shapes lender selection on every refinance.
Bespoke structures for high-value assets and non-standard income streams.
Specialist mortgage advice tailored to company directors and the self-employed.
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Fast-tracked capital for property developers and professional investors.
Portfolio lending is where our senior team has spent careers. PRA stress tests, sequenced refinancing, mixed portfolios and group structures are our default work, not an afterthought.
Once you have four or more mortgaged buy to let properties. Properties owned outright don't count toward the four, but properties held in a partner's name often do, depending on the lender's specific definition.
Yes, significantly. Lenders apply background stress tests to the whole portfolio on every new application. This is the single biggest reason high street applications fail at portfolio scale.
Yes. Several specialist lenders offer single-facility portfolio loans secured against multiple properties. Often more efficient for landlords with five or more properties, but not always. We'll model both routes.
Most lenders cap aggregate portfolio LTV at 75%. Some specialist lenders flex to 80% in the right circumstances, with the right portfolio shape and the right director profile behind it.
Plan for six to ten weeks for a straightforward portfolio refinance, longer if you're consolidating onto a single facility or moving lender for the whole portfolio. We'll give you a realistic timeline and a project plan up front.
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