Portfolio BTL Financing

Thinking about expanding your investments? If you own four or more rental properties, we’re here to help find the right plan for you.

Sharia Certified

Diversify your portfolio flexibly and can get ethical financing for your properties

Whether you own them through a company or partnership, need permission to rent them out, or have them financed through a buy-to-let agreement, whether in your name alone or with someone else. Portfolio stress testing is now based on the average of current 5-year fixed rate products (currently 6.6%), making it more practical for large investors.

Am I eligible for portfolio financing?

You should meet following criteria to be eligible for Portfolio BTL financing:

+2 years renting experience

Portfolio landlords must have been renting out properties for a minimum of two years.

Joint applications

At least 1 applicant in joint applications must meet the two-year letting experience requirement.

UK property focus

Applications are only considered for properties located across England and Wales.

Landlords’ credit check

If more than half of a landlord’s properties are financed under their name, they must appear on their credit report.

Join portfolio value

If 1 applicant owns 3 properties and another owns 5, together they are considered to have eight properties in their portfolio.

Documentation

Portfolio landlord applicants are required to provide property portfolio schedule, asset and liabilities sheet and business plan. Document templates can be found here: Documents