Buy-to-Let Mortgages for Portfolio Landlords
Tailored finance for landlords with four or more properties
Managing multiple properties requires smart, strategic finance. At Charleston, we specialise in securing buy-to-let mortgages for portfolio landlords, whether you're growing your empire or refinancing for efficiency.
- Flexible options for 4+ properties
- Specialist lenders for complex structures
- Ltd company and personal ownership supported
- Capital raising, refinancing, and debt restructuring
- End-to-end portfolio finance support
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Very pleased with your service and the results on my mortgage with Gwyn Jones. I would like to speak to you again regarding another matter I need finance for. A special mention on your professional telephone manner
Why Choose Charleston?
- Specialist Lender Access: We work with lenders who understand SPVs and non-standard structures.
- Tailored Support: From setup to completion, we handle everything.
- No Upfront Fees: Our service is transparent and results-driven.
- Completion Guarantee: We see every deal through to the end.
- Long-Term Partner: We're here for future purchases, refinancing, and portfolio expansion.
Understanding Portfolio Landlords
A portfolio landlord is typically defined as someone with four or more buy-to-let properties. With greater scale comes more complexity, lenders assess applications differently, and managing the finance across multiple properties requires strategic planning.
Charleston brings clarity and efficiency to this process. We ensure your finance is structured to support your long-term growth, not hinder it.
What Lenders Look for in Portfolio Landlords
Lenders take a much deeper view of your finances once you're classified as a portfolio landlord. We help present your case clearly and confidently:
| Requirement | What Lenders Assess |
|---|---|
| Total Portfolio Size | Number of properties and total value |
| Loan-to-Value Ratios (LTVs) | Across individual properties and overall |
| Rental Coverage | ICR (Interest Coverage Ratio) on each mortgage |
| Personal Income | Income from property and other sources |
| Experience | Track record managing multiple properties |
| Ownership Structure | Personal, limited company, or mixed ownership |
We package your application to meet these stricter underwriting standards.
Strategic Finance for Portfolios
Whether you’re growing or optimising, we support a range of scenarios:
- Capital raising across multiple properties for new purchases
- Refinancing to better rates or consolidate existing loans
- Debt restructuring to improve cash flow and reduce monthly outgoings
- New purchases within your portfolio (Ltd Co or personal)
- Hybrid portfolios involving SPVs and personal property
We’ll create a lending strategy that supports your broader property goals.
Benefits of Working with Charleston
- Portfolio Mapping: We analyse your full portfolio and identify refinance or yield improvement opportunities
- Access to Specialist Lenders: Many are not available on the high street
- Experience Matters: We've helped landlords with 5 to 100+ properties
- Tax-Aware Structuring: We’ll liaise with your accountant to align finance with your tax strategy
- No Upfront Fees: Full transparency, always
Client Scenario: Structured Refinance
A landlord with 12 properties in mixed ownership needed to release £500k to fund a commercial-to-residential conversion. We refinanced 6 key assets into a limited company, negotiated top-tier rates, and created a structured drawdown facility, all completed in 5 weeks.
Frequently Asked Questions
Q: Can I mix personal and limited company properties in my portfolio?
Yes — we can finance both structures, and some lenders accept hybrid portfolios.
Q: Do I need separate applications for each property?
Not always — we can help with multi-property mortgages or streamlined underwriting for multiple cases.
Q: Can I refinance to raise funds for a new purchase?
Absolutely. We often help landlords raise capital via equity release from strong-performing assets.
Q: Do you work with landlords using letting agents?
Yes — and if you self-manage, we’ll help present your experience professionally.
