Large mortgage secured for portfolio landlord with complex income structure

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Monday September 20, 2021

A portfolio landlord is a borrower with four or more buy-to-let rental properties. The life of a portfolio landlord is continually in a state of flux; juggling balancing the books is a perpetual worry, which is why landlords prefer interest-only mortgages, which act as a financial buoy, allowing them to pay off the interest-only. Portfolio landlords have recently felt the pinch, particularly due to the cut to mortgage interest tax relief. Challenging as that may be, portfolio landlords also have more stringent affordability checks. As part of the process, landlords must submit paperwork relating to their properties, including a property portfolio schedule, an updated business plan, an assets and liabilities statement, and a cash flow statement.

To help mitigate the stress in the mortgage process, they are seeking to work with mortgage advisors, such as, who have the right contacts to procure customised mortgage deals and preferential rates to mitigate financial risk.

Case Profile

Our most recent case features experienced portfolio landlords with ten plus properties in their portfolio, with complex income streams. The clients have built up their property portfolio over 30 years and earn over £300,000 in salary, commissions and bonuses. Our clients are releasing funds in their existing property and using the cash to buy a new residential home worth £2.3 million. They plan to rent out their current property as an additional revenue stream.

Our client earns over £300,000 in salary, commissions and bonuses and has surplus cash in employed income to cover any rental void. This case proved to be particularly challenging, not only because of our clients complex income structure but because the new property was in a dilapidated state. The property was palatial and required a significant amount of time and investment to make it a viable place to live—full renovation work needed to be completed before anyone could move into the property.


Thankfully we are leaders in securing large mortgages. We have a good relationship with a bespoke lender who understood that our client was a private landlord and would not necessarily adhere to typical affordability criteria. Thus, we were able to utilise our client’s assets to agree to preferential rates. We broke down projected building costs by presenting a detailed plan, including builder quotes for the lender, to see how our client approached the project. We also enhanced our client’s profiles and demonstrated their experience in portfolio management by presenting their knowledge on a document akin to a CV. Our lender could see that our client would get the necessary work done immediately and the remainder over the next 6+ months before moving into the property.

The lender was able to provide an interest-only mortgage which was to our client requirements. The low monthly payments suit our clients, whose cash status peaks and troughs, allowing them to control costs more effectively. Our client was delighted with the outcome and is keenly waiting for the works to be completed.

Do you have a complex income structure?  Are you struggling to secure a mortgage deal? We work with specialist lenders that take a bespoke approach to assessing individual cases. We have access to solutions you can’t find on the High Street, and we take a bespoke and tailored approach to every client case.

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