Large Buy to Let Portfolio

Published 6 May 2013 · Last reviewed 28 May 2025

My Buy to Let mortgage lender is not willing to extend the term or remortgage my properties due to me having a Large Buy to Let Portfolio.

I need a Buy to Let broker who can give me ideas, solutions and take care of my Large Buy To Let Portfolio.

I get a lot of calls from frustrated property developers who want to remortgage their portfolio of properties this could be for a whole host of reasons but age, exposure and income seem to be the biggest culprits which is complete madness with someone with a Large Buy To Let Portfolio.

You know the world has gone mad when millionaires are finding it hard to refinance.

In my experience, solutions can normally be found it just takes a little bit of working out. One thing is for certain is straight-talk is the key. Professional landlords do not want to be messed around by Buy To Let Mortgage Brokers who say they can shave a rate by a fraction only for the lender to say ‘no’. As a crude rule of thumb the best rates are normally offered by the pickiest lenders, and having to restart the process with another lender doubles the set-up fees and might mean the property is lost.

A good Buy to Let Broker also stays on top of the portfolio and proactively reviews the mortgages for the landlord, leaving them free to look for further opportunities rather than have to concentrate on the finance. If you have a Large Buy To Let Portfolio Niche Advice can potentiality save you lots of time and Money and sense we don’t charge any upfront fees you really have nothing to loose.

It is also important for the Buy to Let Broker to be able to source outlets for the various specialist vehicles for property such as SPV limited companies, onshore and offshore as most Large Buy To Let Portfolio of properties site with the different frameworks.

Forward planning is also a major consideration. Lenders may have maximum group exposures such as Lloyds Banking Group that consists of many prominent buy-to-let brands such as Cheltenham & Gloucester, Birmingham Midshires (BM Solutions) and The Mortgage Business (TMB).

If you are a professional landlord with a Large Buy to Let portfolio of properties and believe you may benefit from a Buy to Let remortgage please contact us on 020 7993 2044 or alternatively complete the enquiry form on the right-hand side of this page.

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Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. A small number of buy-to-let mortgages are FCA-regulated — typically Consumer Buy-to-Let (where the borrower is not acting in the course of a business, such as an accidental landlord who has inherited or moved out of a former main residence) and Family Buy-to-Let (where the property is let to an immediate family member). Limited-company buy-to-let, portfolio buy-to-let and standard personal-name buy-to-let are not regulated by the FCA.

Where the underlying mortgage is not FCA-regulated, the lender's conduct on that loan is not covered by FCA rules and you may have reduced access to the Financial Ombudsman Service for complaints about the lending decision or product terms. However, Niche Advice Limited is a Credit Broker authorised and regulated by the Financial Conduct Authority (FCA No: 750263), and our broking activity — including the introduction we make to the lender — IS FCA-regulated under the FCA's CONC rules. Complaints about our broking service can therefore be referred to the Financial Ombudsman Service in the usual way.