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Finance solutions for portfolio landlords

Our buy-to-let solutions are ideal for portfolio landlords, with no limit on property numbers, flexible underwriting, strong rental calculations, and tailored support to help scale and manage your client鈥檚 portfolio.

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Helping landlords grow and manage property portfolios

Is your client looking to add to their property portfolio? At 91看片, we offer flexible buy-to-let portfolio landlord solutions tailored to experienced and professional landlords. Whether they鈥檙e expanding into new property types, refinancing to release equity, or restructuring ownership, we can help.聽聽

We support Limited Companies, Special Purpose Vehicles (SPVs), and individuals, and lend on a wide range of property types including House in Multiple Occupation (HMOs) and Multi-Unit Freehold Blocks (MUFBs). There鈥檚 no cap on the number of properties in a portfolio, and our rental calculations work in real life. With dedicated relationship managers and a common-sense approach to underwriting, we鈥檙e here to fuel your client鈥檚 growth.

Key lending criteria

  • Loans from 拢1m up to 拢20m
  • Up to 75% LTV for residential properties, 65% for commercial 
  • Variable and fixed-rate options: 2, 3, or 5 years
  • Rental calculation: 125% for basic rate taxpayers or limited companies, 145% for higher-rate taxpayers
  • Lending across England, Scotland & Wales
  • Top-slicing considered for eligible customers
  • Flexible terms: up to 30 years
  • No maximum age for limited companies
  • Houses in Multiple Occupation (HMOs) & Multi-Unit Freehold Blocks (MUFBs) accepted, with no limit on bedrooms or units
  • No maximum portfolio size
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Why borrow with us?

Flexible criteria

We consider unique circumstances, supporting landlords with limited history or complex financial backgrounds

Portfolio landlord lending

Streamlined finance solutions let professional landlords manage multiple properties under one simple facility

Flexible asset classes

We fund a wide range of properties including HMOs, MUFBs, and mixed-use developments

Rental calculation

125% rental calculation for limited companies & basic rate taxpayers, 145% for higher or additional taxpayers

Additional highlights

No property limit

We support portfolios of any size, allowing landlords to grow without restrictions

High maximum loan size 

Borrow up to 拢20 million across your clients portfolio to fund multiple properties or large investments

Competitive loan-to-value (LTV)

Up to 75% LTV on standard buy-to-let properties, maximising your clients borrowing potential

Flexible ownership structures

Lending available to individuals, partnerships, limited companies, and SPVs, regardless of company age

Wide range of property types

We finance HMOs, MUFBs and diverse residential properties to fit your clients strategy

Flexible repayment terms

Choose from a variety of repayment options tailored to your clients portfolio鈥檚 cash flow and investment goals

Portfolio consolidation options 

Refinance existing properties under one facility for simplified management and improved cash flow

Dedicated relationship management 

Expert support to guide you through applications, underwriting, and portfolio growth strategies

Portfolio landlords should use us for our flexible lending criteria consisting of no property limits, competitive rates, tailored solutions, and expert support empowering your clients to grow and manage diverse portfolios efficiently.

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Why portfolio lending works now

In today鈥檚 market, portfolio landlords face both opportunities and challenges, from higher demand for rental property to tighter margins and evolving regulation. Flexible buy-to-let solutions give landlords the ability to grow, refinance, or restructure without restrictions on portfolio size.

With no property caps, tailored underwriting, and strong rental calculations, 91看片 provides the funding stability and flexibility landlords need to scale sustainably and maximise long-term returns.

Portfolio landlord frequently asked questions

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.