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Portfolio buy-to-let mortgages

Financing your property portfolio.

Same day enquiry

We’re here between 9am and 8pm Monday to Thursday, 9am to 7pm on Friday. If you contact us by 5pm, we’ll do our best to get back to you the same day or let us know when suits you best for a call back.


Any property used as security may be repossessed if you don’t make the repayments. Available in England, Scotland and Wales only.

Loans provided by Together Commercial Finance Ltd. are not regulated by the Financial Conduct Authority.

  4.4/5 average rating by independent customer feedback

Do you have multiple buy-to-let properties? Struggling to work with a high street lender? We could be the people to speak to.

We think looking at your individual situation, combined with our common-sense approach to lending, makes better sense for everyone.

Buy-to-let for almost any purpose

If you need finance – whether a purchase, remortgage or second charge secured loan – and have multiple buy-to-let properties, talk to us. Why? Because we can provide a mortgage for your buy-to-let portfolio for almost any purpose. 

We consider a large variety of property types, and have more flexibility when lending to people with less than perfect credit histories. Plus, we’re one of the few lenders offering second charge buy-to-let, particularly interest-only second charge buy-to-lets.

We don’t believe in over complicating the process – so we don’t ask for business cases or cashflow statements.  In most cases we do not ask for anything in addition to what we would require for a non-portfolio landlord

We’ll consider mortgages for buy-to-let portfolios with:
  • normal brick built houses, ex-council houses, flats and maisonettes
  • high-rise properties (yes, even ones above 6 floors)
  • properties with poor valuations (when the property is in a less than perfect condition)
  • non-standard constructions (when the property is a little out of the ordinary).
Key features
  • borrow up to £2m with terms up to 30 years
  • rates from 5.99% (no premium for portfolio landlords)
  • 2, 3 and 5 year fixed rate options available
  • maximum portfolio LTV of 75%
  • no restrictions on size or value of portfolio
  • no minimum landlord experience
  • other sources of income taken into consideration for affordability
  • up to 4 people per application
  • secure on one or several properties
  • 90% of projected rent taken into consideration
  • no minimum property ownership.
With added value

We accept property types other lenders may not consider, including properties which are a little out of the ordinary, And after 5 years we don't hit you with early repayment charges if you want to pay off your loans early. So you’re not tied into the buy-to-let mortgage for the full term, leaving you to get on with your next project.

Our lending criteria

To qualify for this product, as a minimum, you must:

  • have obtained the properties with the intent to let them out. In other words, for a business purpose
  • be at least 18-years old. There’s no maximum age limit, providing rental income covers 125% of total secured lending repayments.
EPC requirements
  • minimum rating E – however, we will consider F or G by referral
  • we'll need a copy of the EPC for all purchases and all re-mortgages, where the property is currently being let, or there is an intention for the property to be let in the future.

Any property used as security may be repossessed if you don’t make the repayments. Available in England, Scotland and Wales only.

Loans provided by Together Commercial Finance Ltd. are not regulated by the Financial Conduct Authority.

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Not sure if this applies? See our range of buy-to-let mortgages.