Capital Finance Group
Portfolio Investment Loan
A portfolio investment loan brings several properties under one facility. For landlords with a growing portfolio, it can simplify administration, improve cash flow management and make it easier to raise funds for further purchases.
Speak to a Property Finance SpecialistPortfolio Investment Loan
A portfolio facility is not right for every landlord, and in some cases keeping properties on separate mortgages gives more flexibility. We will review your portfolio, your plans and the costs involved before recommending which lenders to approach.
Who it suits
- Landlords with multiple residential, commercial or mixed-use properties
- Investors looking to consolidate several mortgages into one
- Landlords wanting to release equity across their portfolio
- Portfolio landlords planning further acquisitions
How it works
- Multiple properties are secured under one facility, often with one monthly payment
- Lenders assess the portfolio as a whole, so stronger properties can support weaker ones
- Facilities can sometimes allow properties to be added or sold over time
- Available to individuals, partnerships and limited companies, depending on the lender
- Interest-only and repayment structures are both available
Things to consider
- Cross-collateralisation means each property supports the whole loan, which can make selling individual properties more complex
- You will need clear information on each property, including rents, values and existing borrowing
- Redeeming existing mortgages may trigger early repayment charges
- Personal guarantees are commonly required for company borrowers
- Some lenders set a minimum number of properties or overall portfolio value before offering this type of facility
Ready to simplify or expand your portfolio? Speak to an expert about a portfolio facility.
Finance is subject to status and lender criteria.
Discuss portfolio investment loan
Ready to simplify or expand your portfolio? Speak to an expert about a portfolio facility.
Speak to a Property Finance Specialist