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.

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Daniel Fardell

10/05/2023

All round great service & results from Ivan. Extremely knowledgeable, very approachable & always has his clients best interests at heart.

Antonio Banderes

26/04/2023

Great to work with, felt like we were thier top priority. Communication and availability 5/5

Lee Wigglesworth

19/04/2023

I highly recommend Ivan at Elementary Mortgage Solutions. He was very helpful, always talking me through things I was unsure about putting my mind at ease. He helped me through a time length of 18 months and was always easy to get hold of and quick to reply if ever I needed him.

Dean Warsop

10/03/2023

My mortgage application went as smoothly as it could with the help of Ivan who went above and beyond with his time and efforts to get it sorted as soon as possible. Everything he did was explained in terms I could understand and he was never more than a phone call away to answer any questions we had. I couldn’t recommend Ivan highly enough and have passed his details to numerous friends. All I can add is my gratitude to Ivan for his hard work and being available every step of the way. A fantastic man and very good at what he does. Many thanks again

Robyn Kirk

04/01/2023

We didn't have the easiest circumstances however ivan was very honest with us from the beginning. He outlined a number of options for us and when the time came for us to apply for a mortgage the process was easy and stress free due to ivan's brilliant communication and transparency. We couldn't thank ivan enough because he made it possible for us to get our first home.

Andrew Littlewood

03/01/2023

Brilliant advice and products from Ivan as always I won’t go anywhere else .

Steph Lonergan

22/12/2022

Would highly recommend using Elementary Mortgage Solutions. Done amazing at finding us the best mortgage for our new home. Very helpful and always available if need to ask any questions, worth every penny.

Will Shaw

20/12/2022

Ivan was absolutely amazing from start to finish. We had a few set backs on our side of things due a global pandemic and then several houses falling trough but he never gave up, he kept going for us and kept us updated regularly and we have now finally got the keys to our very first home just intime for Christmas. He made the whole process a breeze sorted all our insurance's out for us so we had the right cover at the right budget. Honestly 5 stars doesn't even come close wouldn't hesitate to recommend him and Elementary Mortgage Solutions to anyone.

Kirsty Beckworth

20/12/2022

Ivan is very professional with his advice and information- highly recommended

P Dickinson

04/12/2022

It took my wife and I around 3 years to finally find a house that we wanted to purchase and as the property needed some work, we couldn't sell our current house for the time being. We then found ourselves struggling to secure a mortgage for the house purchase. Having spoke to several lenders and a few mortgage brokers as well as looking into equity release without success, we looked for a mortgage broker online and decided to call Elementary Mortgage Solutions. Ivan was a star and really helpful and in no time at all he had a mortgage sorted for us. The rest of the house buying process has taken a long time with several problems encountered during this time but Ivan was always there to offer advice and frequently checked in to see how things were progressing. We really cannot praise Ivan enough, he is a really nice chap, a pleasure to deal with and we thoroughly recommend him to anyone looking for a mortgage broker. We complete on our house purchase next Tuesday, 6/12/22 and without Ivan's help, we are really not sure if this would have happened. If we require a mortgage again in the future, Ivan will most certainly be the person we will be calling. Thank you Ivan and Merry Christmas to you and your family.

(Your home may be repossessed if you do not keep up repayments on your mortgage. Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority)

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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