Portfolio Landlord Mortgages (2026) – Finance Multiple Rental Properties with Competitive Rates
If you own multiple rental properties, a portfolio landlord mortgage offers structured financing designed for professional property investors.
Compare specialist lenders, review portfolio underwriting criteria, and secure tailored funding for large-scale rental investments.
What Is a Portfolio Landlord Mortgage?
A portfolio landlord mortgage is designed for investors owning two or more buy-to-let properties. Lenders assess your full rental portfolio rather than a single asset.
- Multiple property financing
- Consolidated portfolio underwriting
- Limited company (SPV) structures supported
- Professional landlord criteria
Portfolio Mortgage Rates (Europe 2026)
| Product Type | Estimated Rate Range |
|---|---|
| 2-Year Fixed | 4.0% – 6.0% |
| 5-Year Fixed | 4.2% – 6.5% |
| Portfolio Refinance | Custom Quote |
Rates depend on loan-to-value (LTV), rental coverage ratio (ICR), credit profile, and portfolio size.
Key Lending Criteria
- Minimum 25%–40% deposit
- Interest Coverage Ratio (125%–145%+)
- Portfolio stress testing
- Rental income verification
- Limited company financial review
Portfolio Refinance & Equity Release
- Refinance multiple properties
- Release equity for new acquisitions
- Consolidate existing buy-to-let loans
- Improve cash flow across portfolio
Professional landlords often refinance to scale their investment strategy.
Limited Company Portfolio Mortgages
Many portfolio investors operate through an SPV (Special Purpose Vehicle) structure for tax efficiency.
- Corporate buy-to-let lending
- Director guarantee requirements
- Business plan underwriting
How to Secure a Portfolio Landlord Mortgage
- Prepare full portfolio schedule
- Calculate overall rental yield
- Compare specialist lenders
- Obtain agreement in principle
- Complete underwriting & valuation
Secure Portfolio Landlord Financing Today
Grow your property investment portfolio with structured landlord mortgage solutions.
Compare lenders. Optimise your rates. Finance your rental portfolio today.