Portfolio Finance: The Complete Guide

Over the last few years portfolio landlords have found it harder to fund larger portfolios due to the size limits that have been put in place by some of the lenders. More and more often we are seeing portfolio landlords splitting up portfolios to enable them to maximise the lending capabilities.

Useful Documents for a Landlord’s Portfolio

• A Portfolio Summary: Should include all expected information for a lender to review.
• A Portfolio Spreadsheet: A simplistic view of all properties in the portfolio.

Lender Requirements

• A minimum period of landlord experience.
• Greater restrictions on loan sizes across lending groups.
• Stress testing of the portfolio depending on the number of properties.

It is important to analyze the options available. This may mean having one overarching lender or potentially splitting the portfolio up amongst a number of lenders which may result in achieving a higher loan to value or better rates.