Portfolio Landlord Mortgages
Let us help you grow your portfolio.
Once you own four or more mortgaged buy to let properties, lenders begin to consider you a ‘portfolio landlord’. This can limit your options as some lenders will not accommodate these applicants or have a stricter lender criteria when they do.
We work with banks, building societies and broker exclusive lenders to bring professional landlords leading mortgage advice on single or multiple buy to let properties.
Kerr & Watson will take the time to understand your overall situation / portfolio so we can go to the right lender from the outset.
Am I considered a portfolio landlord?
A portfolio landlord is someone who has four or more mortgaged buy to let properties.
Can I finance multiple properties with one mortgage?
It is possible to have one mortgage secured on multiple properties. However, most lenders will insist that you have separate mortgages for each individual property.
Is it more difficult to get a mortgage if I am a portfolio landlord?
Many lenders treat portfolio landlords differently. The high street lenders are more reluctant to lend to a portfolio landlord whereas a specialist lender understand these. Lenders will require full details of the background portfolio to assess the full picture.
Buy to Let Mortgage calculator
Calculate your borrowing potential with our affordability calculator.
Identify what your monthly repayments would be with our repayment calculator.
Confirm your Stamp Duty costs with our Stamp Duty calculator.
Your Mortgage In 3 Easy Steps…
Conversation
Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.
Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.
Research
We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.
If you would like an agreement in principle, we’ll also arrange this for you.
Application
We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.
We will also communicate with you at every stage, from application to completion.
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