Unlock the equity trapped across your property portfolio without selling a single asset. Our portfolio finance solutions allow landlords and investors to borrow against multiple properties under a single facility, releasing capital for new acquisitions, consolidating existing borrowing, or restructuring for growth.
Portfolio finance is a specialist lending product designed for landlords and property investors who own multiple investment properties. Rather than having separate mortgages with separate lenders on each property, a portfolio facility takes a holistic view of your entire holdings — assessing the aggregate value, total rental income, and overall equity across all assets.
This approach offers significant advantages over financing each property individually. It simplifies your borrowing under one roof, can unlock equity that would be difficult to access property by property, and provides the flexibility to grow and restructure your portfolio over time.
At StatusKWO, we provide portfolio finance for landlords across England and Wales, from established investors with large portfolios to growing landlords looking to consolidate and expand. Our team takes the time to understand your portfolio, your objectives, and your timeline before structuring a facility that works for you.
We understand the complexities of managing and growing a property portfolio.
Over time, properties appreciate and mortgage balances reduce, creating equity that is locked inside individual assets. Portfolio finance lets you access this equity across your entire portfolio in a single transaction, without refinancing each property separately.
Replace multiple individual mortgages across different lenders with a single portfolio facility. One lender, one monthly payment, one set of terms. This dramatically simplifies your financial administration and can reduce overall costs.
Once a portfolio facility is in place, accessing additional capital or adding new properties can be much faster than arranging individual mortgages. Some structures allow pre-agreed drawdowns for new acquisitions within days.
The equity in one property supports borrowing against another. This means properties with lower LTVs effectively subsidise those with higher LTVs, increasing your overall borrowing capacity beyond what individual mortgages could achieve.
Repay your facility at any time without exit penalties. You only pay interest up to the date of redemption, giving you the flexibility to refinance or restructure when it suits your strategy, not the lender's timetable.
Every portfolio facility is managed by a dedicated contact who understands your holdings and your objectives. One point of contact from initial assessment through to drawdown and beyond.
An overview of our standard portfolio finance parameters. We consider every application on its own merits.
Portfolio finance is designed for landlords and property investors who own multiple properties and want to manage their borrowing more efficiently. It is particularly valuable if you have significant equity spread across your portfolio that you want to put to work.
A streamlined process designed to assess your entire portfolio efficiently.
Share details of your property portfolio — addresses, current values, existing mortgage balances, rental income, and tenancy details. We assess the aggregate position and provide indicative terms, typically within 48 hours.
Indicative terms in 48 hoursWe instruct valuations on the properties in the portfolio and complete our due diligence. For larger portfolios, we can use a combination of physical inspections and desktop valuations to keep costs proportionate and the timeline manageable.
Proportionate approachOur solicitors prepare the facility documentation and work alongside your legal team. For portfolio facilities involving multiple titles, experienced property finance solicitors are essential to keep the process moving efficiently.
Parallel processingFunds are released on completion. Existing mortgages across the portfolio are redeemed and the new facility is put in place. The entire process typically takes 3 to 6 weeks depending on the number of properties and complexity of the legal work.
3–6 weeks typicalUnderstanding how portfolio finance unlocks the value in your properties without requiring you to sell.
Unlike selling a property to release equity (which triggers capital gains tax and reduces your portfolio size), portfolio finance allows you to borrow against your assets while retaining ownership. Your rental income continues, your properties continue to appreciate, and you access the capital you need without disposal.
The lender takes security over multiple properties, meaning the equity in one property supports borrowing against another. For example, a property with 40% LTV provides surplus security that can be used to increase borrowing on a property with 70% LTV — something that would not be possible with individual mortgages.
Rather than assessing each property's LTV individually, the lender calculates the total value of all properties against the total borrowing. If your portfolio is worth £2M with £1M of debt, your aggregate LTV is 50%. A facility at 75% LTV could release up to £500,000 of additional capital — in a single transaction.
We lend to a wide range of portfolio landlords and corporate structures. Our primary focus is on the quality and performance of the portfolio itself, rather than solely on personal income or employment status.
Answers to the questions we are asked most often about portfolio finance.
Portfolio finance is a specialist lending product that allows landlords and property investors to borrow against multiple investment properties under a single facility. Rather than having separate mortgages with separate lenders on each property, a portfolio facility assesses your holdings as a whole — looking at the aggregate value, total rental income, and overall equity across all assets.
This holistic approach often enables higher levels of borrowing than would be possible through individual mortgages, simplifies your financial administration, and provides the flexibility to grow and restructure your portfolio over time. Portfolio finance is secured against some or all of the properties in your portfolio through cross-collateralisation.
With individual buy-to-let mortgages, each property is assessed in isolation — the lender looks at that specific property's value, its rental income, and your personal affordability. If one property has a slightly lower yield or an unusual characteristic, it may be difficult to finance even if your overall portfolio is strong.
Portfolio finance takes a fundamentally different approach. The lender assesses the portfolio as a whole, which means a strong-performing property can compensate for a weaker one. You also benefit from a single lender, a single set of terms, a single renewal date, and a single point of contact — rather than managing four or five different mortgage relationships.
Cross-collateralisation means the lender takes security over multiple properties to support the overall facility, rather than each property securing only its own individual loan. In practical terms, the equity in one property can support borrowing against another.
For example, if you own Property A worth £300,000 with no mortgage and Property B worth £200,000 with a £150,000 mortgage, Property A's surplus equity effectively provides additional security that allows higher borrowing on Property B than would be possible with an individual mortgage. The advantage is greater overall borrowing capacity. The trade-off is that the lender has a charge over all properties in the facility, so you cannot sell or refinance one without the lender's consent.
We typically require a minimum of 3 investment properties for a portfolio facility, though the aggregate value of the portfolio is also a consideration. A portfolio of 3 high-value properties may be more suitable than a portfolio of 10 very low-value ones, depending on the overall economics.
If you have fewer than 3 properties but are planning to grow your portfolio, a bridging loan to acquire additional properties might be a better starting point, with a portfolio facility to follow once you have built up your holdings. We are happy to discuss the best approach for your specific situation.
Not necessarily. We can work with portfolios held across different ownership structures, including properties in personal names, limited companies, SPVs, and trusts. However, the legal structure does affect how the facility can be arranged, and there may be additional legal work required if properties are spread across multiple entities.
Many landlords are in the process of transferring properties from personal ownership into limited companies for tax planning purposes. A portfolio facility can sometimes be structured to accommodate this transition, though you should always take professional tax and legal advice before making structural changes to your holdings.
We typically lend up to 75% of the aggregate open market value across the portfolio. The exact LTV available depends on several factors including the composition of the portfolio (property types and locations), the aggregate rental yield, the overall condition of the properties, and the strength of your exit strategy.
Portfolios with strong rental yields, good geographic diversification, and well-maintained properties in established locations will generally achieve the highest advance rates. If your portfolio includes higher-risk elements such as commercial properties or HMOs, the blended LTV may be adjusted to reflect the additional risk.
Yes — portfolio facilities are designed to be flexible. You can typically add new properties to the portfolio (for example, when you make a new acquisition) or request the release of a property (for example, if you want to sell one). Both actions require the lender's consent and are subject to the facility remaining within the agreed parameters after the change.
Adding a property usually involves a valuation of the new asset and a review of how it affects the overall portfolio metrics. Releasing a property typically requires the remaining portfolio to maintain adequate security coverage for the outstanding loan balance. This flexibility is one of the key advantages of portfolio finance over individual mortgages.
Yes. As an asset-based lender, we focus primarily on the quality of the portfolio — the properties, their values, the rental income, and the overall equity position. While credit history is part of our assessment, adverse credit events such as CCJs, defaults, or missed payments do not automatically disqualify you.
We take a pragmatic approach and assess every application on its own merits. If your portfolio is strong and well-managed, there is often a workable solution available even if your personal credit history is imperfect. We encourage you to discuss your situation with us openly so we can give you an honest assessment.
The typical fees include an arrangement fee (a percentage of the total facility), valuation fees for each property in the portfolio, and legal fees for both your solicitor and the lender's solicitor. For larger portfolios, valuation costs can be managed by using a combination of physical inspections and desktop valuations where appropriate.
We provide a full breakdown of all costs when we issue terms, so there are no surprises. The total cost of a portfolio facility should be weighed against the savings from consolidating multiple individual mortgages and the value of the equity you are releasing. In many cases, the net benefit is significant.
We can provide indicative terms within 48 hours of receiving your portfolio details. From formal application to completion, the process typically takes 3 to 6 weeks. The timeline depends primarily on the number of properties in the portfolio (more properties means more valuations and more legal work) and the complexity of the ownership structures involved.
Having your portfolio information well-organised before you apply — including property schedules, existing mortgage statements, tenancy agreements, and recent accounts — will help the process move as quickly as possible. We also recommend instructing your solicitor early so that legal work can begin alongside our underwriting.
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