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Finance solutions for portfolio landlords

For landlords with multiple properties, our flexible lending makes portfolio growth simple. We offer expert support and tailored solutions to help you manage, grow, and maximise your property investments with confidence.

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Managing multiple properties?

Managing a property portfolio can be complex, but our tailored solutions are designed to make it easier. Whether you own several buy-to-let properties or have a more complex ownership structure, we provide lending tailored to your needs.

With expert support and practical solutions, we help you streamline management, unlock opportunities, and enable you to grow your portfolio with confidence. Our approach makes rental property investment work for you, simplifying the process while giving you flexibility to achieve your long-term goals.


Why invest now?

Demand for rental property continues to rise, creating strong opportunities for portfolio landlords to grow. With specialist portfolio landlord lending, you can consolidate, expand, or restructure your portfolio to make the most of today鈥檚 market.


Why borrow with 91看片?

Flexible lending

No limits on portfolio size or property type

Tailored support & guidance

Personalised support for growth and management 

Long-term stability

Fixed rates for 2, 3, or 5 years, terms up to 30 years 

Comprehensive coverage

England, Scotland & Wales, including HMOs, MUFBs & complex ownership

Key lending criteria for portfolio landlords

  • Loans from 拢1m up to 拢20m
  • Up to 75% LTV for residential, 65% for commercial
  • Fixed and variable-rate options: 2, 3, or 5 years
  • Rental calculation: 125% for basic rate taxpayers & limited companies, 145% for higher rate tax payers
  • Flexible terms: up to 30 years
  • No maximum portfolio size
  • No maximum age for limited companies
  • Houses in Multiple Occupation (HMOs) & Multi-Unit Freehold Blocks (MUFBs) accepted, no limit on units or bedrooms
  • Top-slicing considered for the right customer
  • Lending across England, Scotland & Wales
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Additional highlights

No property limit

Grow portfolios without restrictions 

High maximum loan size

Up to 拢20m across portfolios

Competitive LTVs

Up to 75% for standard buy-to-let

Flexible ownership structures

Available to individuals, partnerships, limited companies & Special Purpose Vehicles 

Wide property eligibility

HMOs, MUFBs & diverse residential properties

Flexible repayment terms

Tailored to cash flow and investment goals

Portfolio consolidation

Refinance into one facility for simplicity 

Dedicated relationship management

Expert support through application, underwriting & growth


Portfolio landlord frequently asked questions

Yes. 91看片 considers offshore SPVs, trusts, and company structures, provided ownership and control can be clearly verified.

Yes, rental income from multiple tenants can be considered for affordability, provided it is supported by a valid tenancy agreement or assured shorthold tenancy (AST).

We lend on a wide range of property types including standard residential, HMOs, MUFBs, semi commercial and commercial properties.聽

Portfolio landlords are professional investors who own multiple rental properties, including individuals, partnerships, Limited Companies, and SPVs.

No, 91看片 does not impose any limits on the number of properties within a landlord鈥檚 portfolio.

We offer loans up to 拢20 million across the entire portfolio, enabling large-scale investments or refinancing.

Yes, we offer refinancing options that help landlords consolidate loans, improve cash flow, and fund further portfolio growth.

For limited companies and basic rate taxpayers, we apply a 125% rental coverage, for foreign nationals its 130% and 145% for higher rate tax payers . We also offer a top-slicing option for eligible borrowers to improve affordability.

Yes, with no limit on bedrooms, units, or overall portfolio size.

As part of the application, we review your portfolio as a whole, considering total rental income, loan-to-value and overall financial strength, not just individual properties.

You鈥檒l usually need four or more mortgaged buy-to-let properties to be defined as a portfolio landlord. Applications are accepted from individuals, limited companies and SPVs, with experience and track record taken into account.

Our portfolio landlord solutions are designed to make managing and expanding your property investments easier. With flexible lending, tailored support, and no limits on portfolio size, we鈥檒l help you maximise opportunities and grow with confidence.

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