At the Mortgage Library we have many years of experience in working alongside professional landlords and property investors.
We help them achieve the most competitive deals for their portfolios.
Our main priority is to ensure that your investment is delivering the best returns possible.
Tailored mortgage for your situation.
If you are a landlord with a portfolio of properties, using separate "buy to let" mortgages on each property, can often be more expensive and can also restrict your options.
With the recent changes in taxation in the Buy to Let market, it is important to review your portfolio regularly to ensure the finance is managed as efficiently as possible.
There are many different benefits to obtaining portfolio finance. The main one being, the possibility to calculate the overall rental income percentage on your entire portfolio. This means in some circumstances, you can borrow above the value of an individual property.
Having all your mortgages under one roof allows you to have just one mortgage payment and one direct debit. This also makes re-mortgaging significantly easier if you only have one product to review.
We will need to review the whole of your property portfolio which includes; property values, letting types, upcoming "product end dates", plus any future plans to buy or sell properties and overall plans for the portfolio moving forward.