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Commercial Buildings

What is Portfolio Finance?

If you are new to portfolio finance, here is a quick explanation of what portfolio finance is and how it works.

A portfolio mortgage is...

…a mortgage that allows landlords to place all of their buy to let mortgages under one mortgage. A portfolio mortgage is treated as a single account. Rather than having separate lenders for each property, the entire portfolio is undertaken by one lender, hence one monthly payment.

The portfolio is registered as a limited company and finances and expenditures are treated exactly the same as any other business model. A property portfolio is a term used for when a landlord has at least four properties. Technically, a portfolio could consist of two properties. From a lender’s perspective, they would usually class four properties to be the bare minimum for a portfolio.

Lenders introduced portfolio mortgages to allow landlords to manage their buy to let finances with greater clarity. Rather than having multiple mortgage statements, portfolio mortgages allow for one monthly statement and one payment, simple. Landlords with portfolios don’t have to have a portfolio mortgage and it is entirely optional.

Skyscrapers

We make
things simple

Our commercial team is on hand to answer queries

and make the process as smooth as possible.

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Jason at Evolve has been so knowledgeable, efficient and made us feel like a valued customer. Evolve helped us with obtaining our mortgage and went above and beyond to find us the best rate. He would email back promptly and kept us updated with the whole process. His professionalism has been first rate and I would have no hesitation in recommending Evolve.

Aarti Mehta

Contact Us


If you have a commercial or specialist finance requirement, you can use our form to submit an enquiry or alternatively get in touch with a member of the team.

 

 

 


Email us at

jason@evolvesls.com


Call us on

01473 603211

 We are a credit broker not a lender.


Evolve Specialist Lending Solutions Ltd who are an Appointed Representative of Optimum ELITE, a trading name of Optimum Commercial Solutions Ltd, registered at Unit 26, Brightwell Barns, Waldringfield Road, Brightwell Ipswich Suffolk IP10 0BJ. Our Company Register number is 15778445. We are Authorised and Regulated by the Financial Conduct Authority. Our FCA registration number is 1016611. You can check via www.register.fca.org. We are registered with the ICO, ZB727960 and you can check via www.ico.org.uk. Optimum Commercial Solutions Limited is registered at Unit 5 Riverside Business Park, Buxton Road, Bakewell, England, DE45 1GS. Company Register number is 09518480.


We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority.
We may receive a commission from the Lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.


Our aim is to provide you with a professional and efficient service. However, there may be occasions where you feel this has not been achieved and should you wish to make a complaint about any aspect of the service we provide to you, you can do this by writing to Unit 26, Brightwell Barns, Waldringfield Road, Brightwell Ipswich Suffolk IP10 0BJ, or by telephoning us on 01473 603211  where we will try to resolve your concern at the earliest time possible.

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