Definition of portfolio finance
“Portfolio finance is a funding package that encompasses a number of properties all owned by the same individual or company. It is borrowing, secured against more than one property, designed to maximise the performance of that portfolio.”
If you have an extensive portfolio of properties, it could be in your interests to use portfolio finance to ensure that their financial performance is optimal.
As some lenders have a maximum limit on how many commercial mortgages a lender can hold, portfolio finance is often a more effective and efficient way of managing your property finance. It is certainly more likely to make your properties profitable, options such as a combination of lenders or a blend of mortgages could potentially drive your profit up and your mortgage payments down.
Tap into our experience to get the most out of your property portfolio.
At Access, along with our commercial finance know-how, we also have a great deal of property acumen – we have handled all kind of property development from multiple residential developments around the country, to buying and building up chains of pubs. This knowledge and experience, plus our access to deals as a broker and a lender of unsecured business loans, means we are in a great position to help you structure your property portfolio as profitably as possible.
Portfolio finance that can help you snap up new properties or refinance an existing portfolio
Whether you are looking to start or expand a property portfolio, or refinance existing properties to free up equity, we can look at your options and try and find the best structure, as well as looking for favourable commercial mortgage deals.
As well as lending our own funds primarily for unsecured business loans1, as a broker, we have access to a wide range of lenders so when it comes to mortgaging or re-mortgaging your property portfolio, we can find lots of options that could maximise your investments.
1 We lend funds for unsecured business loans
Developing a profitable portfolio can be a complex business, and most property professionals need expert advice from time-to-time to make sure that property investments are still performing as well as they could be.
Portfolio finance is usually a financially beneficial way to manage numerous properties and mortgages, for commercial property investors or buy-to-let landlords with an extensive spread of properties.
Think carefully before securing loans against your homes. Failure to maintain agreed repayments may put your property at risk, and could have an adverse effect on your credit standing.