Intermediaries
Portfolio Buy to Let mortgages for Intermediaries.
Supporting your portfolio landlord clients with flexible lending:
- Lower rates for £1m+ loans and 2+ properties
- Individuals and limited companies
- Projected income considered
- Wide range of properties, including HMOs
Our new Portfolio Buy to Let offering
Monthly rates from
4.69%*
Max loan-to-value
75% LTV
Loans ranging from
£1m - £4.5m*
*Rates subject to loan amount, portfolio size, fees, charge type and credit profile. Loans below £1m available via our regular Buy to Let offering.
Want to get in touch with one of our team members?
Find your BDM
Simplify and scale your client’s portfolio
Help your client restructure or refinance their portfolio or explore new opportunities to grow.
- One loan, one Direct Debit, one maturity date and one personal guarantee.
- No limit on the number of properties held.
- AVMs available on residential assets.*
- Second charge options to release equity without impacting existing rates.
- Funding available to support portfolio expansion, including the addition of commercial and semi-commercial properties.
*subject to AVM criteria
Other ways we can help portfolio landlords
Product guides and criteria
| Document name | File download |
| Commercial Finance product guide |  |
| Premier - Personal and Commercial Product guide | |
| Document name | File download |
| Submission Checklist - Holiday Let | |
| Submission Checklist - Unregulated Buy to Let | |
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Common questions about Unregulated Buy to Let Portfolio Mortgages for Intermediaries
Do you accept portfolio landlord cases?
Yes. We accept portfolio landlord cases across residential and commercial property, in personal names or through a limited company or SPV, with no limit on portfolio size or value.
How do you assess affordability on portfolio cases?
We assess primarily on rental cover. Where the rental income covers the payments, we won't apply a separate affordability assessment. We can also consider your client's wider income and will accept projected rental figures pre-completion.
What property types will you consider within a portfolio?
We're specialists in non-standard property, including ex-council, high-rise, uninhabitable stock, HMOs, holiday lets and semi-commercial units. If you have an unusual case, send it over and we'll take a view.
Can clients release equity or consolidate across a portfolio?
Yes. Second charge options let clients release equity from an existing portfolio to fund a new purchase, and multiple payments can be consolidated into one monthly repayment.
How do I submit a portfolio Buy to Let case?
If you have a packager agreement with Together, head to MBV to submit your case.
If you're a member of one of Together's registered Networks and Clubs, log into the portal.
If you're unsure, get in touch with the team and we'll guide you through.
View our full criteria and product guides to find out more.
If you're a member of one of Together's registered Networks and Clubs, log into the portal.
If you're unsure, get in touch with the team and we'll guide you through.
View our full criteria and product guides to find out more.
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