Mortgages for Portfolio Landlords

At Elementary Mortgage Solutions, our mortgage brokers specialise in working with individuals who have a portfolio of properties. Our team of experts can find you great deals on buy to let mortgages, help reduce your costs and, in turn, increase the profitability of your portfolio.

Abi King
Abi King
25/08/2021
Ivan has been a great help with buying our first house, he kept in contact through the whole process and helped a lot, we would totally recommend having him as a mortgage advisor! 🙂
Hannah Townhill
Hannah Townhill
24/08/2021
Ivan was fantastic! Our quest for a mortgage wasn’t exactly straightforward as our property was apparently, according to one surveyor "unsaleable” due to it’s location - we were remortgaging, go figure…. This meant that finding a lender that didn’t use the same valuation company was tricky to say the least. Ivan didn’t give up. He promised us a mortgage and that is what he delivered through hard work and perseverance. He was a pleasure to deal with throughout and I can’t praise him highly enough. I now wouldn’t go anywhere else when the time comes to remortgage again. Thanks Ivan!
Harry Simposn
Harry Simposn
06/05/2021
Ivan helped us sort our re-mortgage out. It was stress free and Ivan was always at the other end of the phone when we had any questions.
Georgia Leonardi
Georgia Leonardi
30/03/2021
Thanks for sorting out our re-mortgage, very professional, easy process and even got us a better rate and saved us money. Highly recommended.
Katie Brown
Katie Brown
10/09/2020
Can’t fault this company In any way , they go the extra mile, completed my mortgage in record time. Can highly recommend
Kimbo 85
Kimbo 85
29/07/2020
Extremely professional and responsive service by Ivan. He was always happy to help and support me through the whole process. Highly recommend!!
Carl Barton
Carl Barton
09/04/2020
Elementary mortgage solutions arranged a remortgage on a property we let out. The process was extremely simple and we got an excellent deal that lowered our monthly payments considerably. I'd highly recommend Elementary and will be using them again in the future.
Peter Joynson
Peter Joynson
07/02/2020
Ivan Whitelocks satisfied all my needs. Guiding me through the process with ease. He was easy to reach and quick to reply to any enquires. Going above and beyond at the end of our purchase when I hit a snag with my conveyances. Fully recommend him and look forward to speaking to him again if I ever need mortgage advice again.
Joe
Joe
22/10/2019
Ivan was brilliant. He was quick and communicated well and was great at giving us advice on our way to picking the best mortgage for our situation. Will definitely use him again in the future.
Laura Shaw
Laura Shaw
17/09/2019
Fantastic Service. Really took the hassle out of mortgage hunting. Would definitely use again. Stress free from start to finish and very professional. Thank you

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Supporting Portfolio Landlords

Never has the criteria of lenders been so strict and complicated when it comes to Portfolio Landlords. Many changes to policy now mean that if you own 4 or more Buy To Let Mortgages you are classed as a Portfolio Landlord. To grow your portfolio, you will need to jump through more hoops and provide more information than ever before.

  • ​From stress testing the rents on both the property in question and on the portfolio as a whole
  • Interest Coverage Ratios
  • Business Plans
  • Top Slicing
  • Minimum Personal Income
  • Are you a Higher or Lower rate taxpayer
  • Assets and Liabilities Breakdowns
  • Cash Flow Predictions
  • Total Leverage across your Portfolio
  • Will the property be held in a Limited Company

The list goes on, and no two lenders are the same when it comes to the evidence they will require and criteria you will need to meet. Because of all the changes and additional work involved, many Mortgage Brokers have backed away from dealing with Portfolio Landlords.

Here at Elementary Mortgage Solutions, we recognise the issues and welcome Portfolio Landlords. We have many Portfolio Landlords as clients, and we work closely with them to grow and maintain the finances of their portfolios. This has given us valuable experience with the lenders on our panel, making us experts in the Buy To Let Mortgages.

If your current broker has cut you lose, you are just starting to build a property portfolio, or you have 150 properties and want a broker who is happy to work with you, please get in touch with our team of Mortgage Brokers.

What You Can Expect

  • Full in-depth analysis of your portfolio
  • Discussion about your goals and exit strategy
  • All fees disclosed at the outset
  • Access to exclusive mortgage deals and competitive rates
  • Excellent customer service