portfolio finance

If you’re a property developer with a portfolio that reaches double-figures, you might have several financial products serving your interests at once. With portfolio finance, our team can help you contain all this information in one easily manageable package.

talk to our team

We’re ready to find the right lender for your circumstances. If you’d like to discuss portfolio finance with us, simply click ‘get in touch’, answer a few questions on our contact form and we’ll get back to you.

Some of the products listed are not regulated by the Financial Conduct Authority, and we may refer you to a 3rd party for these services.

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portfolio finance

portfolio finance application quick guide

have your details ready

Your information will be checked over by a specialist in portfolio finance, who will help find the right lender for you.

plan for how your finance will be used

Based on your aspirations for your business, we’ll help you put together the best property portfolio plan for you.

show how this investment affects revenue

We’ll work with you and your professional advisors to ensure your portfolio finance proposal is well-received by potential lenders.

hitting all the right notes…

Seeing a family settle into a new home with a mortgage that suits them and insurance that secures them. It’s what makes The Mortgage Mum team tick.

most common faqs

Do I need to have comprehensive accounts and projections to apply for portfolio finance?

In a perfect world yes. However, we do understand that they are not always readily available in full. Your broker will advise you of the necessary documentation required to avoid you having to provide information over and above what is required both by the lender and us as your mortgage broker.

Will I need to give details as to how the portfolio finance will be deployed?

In order to ensure we satisfy our regulatory commitments around anti money laundering an understanding of your future plans is necessary and will be undertaken during the fact finding stage. However, property entrepreneurs and developers often require ‘war chest’ funds to utilise when an opportunity arises. In such cases it would not be possible or a requirement to provide categorical confirmation around onward purchases.

Will I need to give a projection of the income that my overall portfolio generates?

This may be required but it would be prudent to have this information at hand because although the lender may or may not ask for it we would love to have the information to hand just in case they do - we do love to be efficient!

What kinds of documentation will I need to produce?

This will depend on each individual case, your mortgage broker will provide you with a shopping list of required documents at the outset and as the case progresses. It is often preferable for us, with your consent, to have direct dialogue with your professional advisors such as your accountant and/or solicitor. By liaising directly with your advisors we can take some of the leg work off your desk.

What factors will affect the interest rate I will pay?

Your mortgage broker will always aim to source the cheapest rate available across the entire market under your circumstances, whilst also considering other factors such as lenders appetite for certain deals and geographical areas, yours and your business’s credit history and deposit/equity funds available. There are many more factors to be considered, of which the list is not exhaustive. Your broker will always explain the reasoning behind the lender chosen and an indication of where the pricing sits across the market.

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so, let’s get talking!

If there’s anything you’d like to chat about, whether that’s our services, our mortgages or insurance, just get in touch…