Managing multiple rental properties requires smart financing — and that’s where St. George Commercial Finance Brokers Ltd. delivers expert value. We specialize in mortgage solutions for portfolio landlords with four or more properties, helping you structure debt efficiently, reduce costs, and unlock equity for future investments.

Whether you’re growing your buy-to-let portfolio or refinancing existing holdings, our tailored approach ensures your mortgage works with your long-term strategy — not against it.

What Is a Portfolio Landlord?

You’re considered a portfolio landlord if you own four or more mortgaged buy-to-let properties. Lenders apply stricter affordability checks and require a more strategic review of your entire portfolio, including rental income, leverage, and overall performance.

Our Portfolio Mortgage Services Include:

• Portfolio Remortgaging: Consolidate or restructure lending across properties to improve cash flow or release equity

• Capital Raising: Use equity from one or more properties to invest in further acquisitions

• Limited Company & SPV Mortgages: Finance under a company structure for tax efficiency and future planning

• Complex Case Support: We assist with multi-unit blocks, HMOs, mixed-use assets, or borrowers with layered income

• Rate Optimisation: We secure the most competitive terms from a wide panel of lenders, including specialist BTL providers

Why Choose St. George for Your Portfolio Mortgage?

✅ Experienced Advisors: Experts in complex BTL financing
✅ Access to Specialist Lenders: Private banks and commercial lenders unavailable on the high street
✅ Tailored Structuring: Efficient loan configurations across properties
✅ Speed & Strategy: From application to execution, we keep things swift, smart, and smooth
✅ Full Financial Review: We assess rental yield, debt coverage, and equity for long-term portfolio health

Who We Help

• Experienced landlords seeking better mortgage terms

• Landlords moving properties into a limited company (inc. SPVs)

• Investors expanding into new property types (e.g., HMOs, commercial units)

• Landlords restructuring to reduce tax liabilities