Portfolio Landlord Mortgages (2026) – Finance Multiple Rental Properties with Competitive Rates
Professional landlords with multiple properties require specialist portfolio landlord mortgages tailored to large-scale rental investments.
Compare lenders, review portfolio underwriting criteria, and secure structured financing designed for serious property investors.
What Is a Portfolio Landlord Mortgage?
A portfolio landlord mortgage is designed for investors owning two or more buy-to-let properties. Instead of assessing a single property, lenders evaluate your entire rental portfolio.
- Multiple property financing
- Consolidated portfolio underwriting
- Limited company (SPV) structures supported
- Professional landlord lending criteria
Current Portfolio Mortgage Rates (Europe 2026)
| Product Type | Estimated Rate Range |
|---|---|
| 2-Year Fixed | 4.0% – 6.0% |
| 5-Year Fixed | 4.2% – 6.8% |
| Portfolio Refinance | Custom Quote Required |
Rates depend on loan-to-value (LTV), rental income, interest coverage ratio (ICR), credit profile, and portfolio size.
Portfolio Mortgage Requirements
- Minimum 25%–40% deposit
- Rental income coverage (125%–145%+ ICR)
- Full portfolio schedule review
- Credit & stress test assessment
- Limited company financial evaluation (if applicable)
Limited Company & SPV Portfolio Mortgages
Many professional landlords operate through a Special Purpose Vehicle (SPV) or limited company for tax efficiency and asset protection.
- Corporate buy-to-let financing
- Director guarantees may apply
- Business plan underwriting
- Portfolio refinancing options
Refinance & Equity Release for Portfolio Growth
- Release equity from existing properties
- Consolidate multiple buy-to-let loans
- Lower interest rates through remortgaging
- Fund new acquisitions
Refinancing allows investors to expand their rental portfolio strategically.
Why Compare Portfolio Landlord Mortgage Lenders?
- Secure lower interest rates
- Increase borrowing limits
- Flexible repayment terms
- Specialist underwriting for professional investors
- Reduced overall financing costs
Apply for a Portfolio Landlord Mortgage Today
Grow your property investment strategy with structured mortgage solutions designed for multiple rental properties.
Compare specialist lenders. Lock competitive rates. Secure portfolio financing today.