How often should a landlord review their portfolio?

We recommend having an expert mortgage broker review your property portfolio at least once a year, or more frequently when rates are rising. It’s recommended to have your property portfolio reviewed if: You’ve built significant equity in your portfolio You’re preparing for regulation changes, such as the Renters’ Rights Act or the EPC changes You’re considering expanding your portfolio Our FREE property portfolio reviews act as a health check for your property investments. We’ll review your current mortgages to see if you can access a more competitive deal to lower your mortgage payments. We’ll also explore other ways to save you money and opportunities to boost your portfolio profitability. Click here to get started with a property portfolio review.

What fees should portfolio landlords expect?

When applying for a mortgage, whether that be a standard buy to let rate or a portfolio loan, portfolio landlords should expect: Lender arrangement fees Portfolio assessment fees – Some lenders charge additional fees if multiple properties require review Valuation fees Legal fees Broker fees

What paperwork do portfolio landlords need to submit?

Lenders typically require more documentation from portfolio landlords, such as: A full portfolio schedule covering the full details of each property, including addresses, mortgage balances, rental income, and property values. Download our portfolio review document , which is accepted by nearly all buy to let lenders Three to six months’ bank statements SA302s and tax year overviews Business plans (for larger portfolios) AST agreements for all tenancies (changing to periodic tenancy agreements from 1st May 2026 upon implementation of the Renter’s Rights Act) Proof of deposit Company accounts (for Limited Company borrowers )

Which buy to let lenders accept portfolio landlords?

There’s a wide range of lenders who accept portfolio landlords, from those with a more ‘standard’ offering, to those which offer more specialist criteria. The type of lender you can access will vary based on the number of properties you own and your overall borrowing. Lenders set maximum property and borrowing limits to manage their risk appetite, so for landlords with larger or growing portfolios, it’s important to work with an expert broker to find the right lender for you.

Remortgage with Capital Raise to Fund a Property Purchase Using Salary and Retained Profits

Case Studies
Remortgage with Capital Raise to Fund a Property Purchase Using Salary and Retained Profits

A returning client needed a competitive remortgage with capital raise to support a future property purchase for an elderly relative. However, to maximise borrowing potential, they needed our help finding a specialist lender.

At a glance:

A returning MFB client looking to remortgage and release funds to support a property purchase for an elderly relative
The property for purchase had not yet been found when our client approached us
As a company director, our client wanted to use salary and retained profits to increase borrowing potential

The case:

Our client returned to MFB to help with their upcoming remortgage. With their fixed-rate due to end, they wanted to remortgage onto a competitive new deal and release capital to contribute towards a future property purchase for an elderly relative.

When our client approached us, they hadn’t yet found the right property to purchase. Therefore, they needed a lender that would release the funds ready for when the right home became available.

Furthermore, to increase affordability, our client needed a lender that would accept both salary and retained net profits from their company. This limited the pool of suitable lenders we could approach and required a more flexible affordability assessment.

The Solution:

How lenders assess complex income varies significantly. While many take an average of the last 2 years’ figures, provided the income hasn’t declined, others take a more flexible view using the most recent figures instead. These differences can have a substantial impact on affordability calculations.

To ensure our client had access to both the best available rate and the maximum borrowing, we approached a lender with a very unique USP. This lender was happy to consider our client’s salary and share of net retained profits before tax when assessing affordability.

This approach significantly increased how much our client could borrow and provided the flexibility they needed while searching for the right property. With the client happy to proceed, we successfully secured the remortgage three months before their existing deal ended, locking in a highly competitive rate and ensuring funds were available when required.

The finance:

Property value: £1,200,000

Loan amount: £650,000

LTV:  54%

Rate: 4.50% fixed for 2 years

Term: 20 years, interest-only

Monthly mortgage payment: £2,411.25

Lender arrangement fee: £999

Looking to source a homebuyer mortgage?

If you are looking to purchase your dream home and would like to discuss your mortgage options, get in touch, and one of our expert homebuyer mortgage brokers will be happy to help you every step of the way.