Property Portfolio Finance

Unlock value. Expand confidently. Finance your portfolio the smart way.

At St. George Commercial Finance Brokers Ltd., we understand the complexities that come with managing and growing a property portfolio. Whether you’re a seasoned landlord or scaling your investments, our Property Portfolio Finance solutions offer strategic, flexible funding designed to enhance your returns and simplify portfolio management.

🔎 What Is Property Portfolio Finance?

Property Portfolio Finance refers to borrowing that consolidates or funds multiple properties under one facility. It provides landlords with efficient capital access for refinancing, acquisitions, or improving overall yield across several properties.

💼 Key Features:

Funding from £500,000 to £50M+
Finance for 5 or more properties (residential, commercial, or mixed-use)
Up to 75-80% LTV depending on property type and income
Options for interest-only, capital repayment, or hybrid structures
Consolidation of multiple mortgages into one streamlined facility
Available to individuals, limited companies, LLPs, and trusts

✅ Suitable for:

Professional landlords with growing portfolios
Investors looking to refinance and release equity
Buy-to-let companies and SPVs
Mixed-use or geographically diverse portfolios
Complex ownership structures needing tailored solutions

🎯 Why Choose St. George?

Access to leading lenders, private banks, and specialist funds
Deep understanding of complex portfolio structures
Flexible underwriting for rental income, leverage, and risk
Expert guidance on tax-efficient structuring and asset performance
Personalised service from dedicated portfolio finance experts

Turn complexity into opportunity.
Let St. George Commercial Finance Brokers Ltd. help you structure smarter finance to fuel your portfolio’s future.

"St. George restructured our entire portfolio mortgage into one streamlined facility, improving our cash flow and freeing up capital for new investments. Their insight into portfolio lending is unmatched."

"As landlords with over 20 units, we struggled with scattered mortgages. St. George consolidated everything and secured a lender who understood our long-term goals. They’ve become our go-to advisors."

"We were expanding fast and needed funding for five new properties. St. George delivered a tailored solution with excellent rates. Their expertise in portfolio lending made all the difference."

What is property portfolio finance?

Property portfolio finance is a lending solution that allows landlords or property investors to fund, refinance, or consolidate multiple properties under a single loan facility.

How many properties do I need to qualify?

Typically, lenders require a minimum of four to five properties in your portfolio to qualify. However, some lenders may consider fewer properties depending on value and income.

Can I include both residential and commercial properties in one portfolio loan?

Yes, many lenders offer mixed-asset financing, allowing you to include residential, commercial, and mixed-use properties in a single facility, depending on the risk profile.

Who can apply for portfolio finance?

Applications are welcome from individual landlords, limited companies, LLPs, and trusts, including those with complex ownership structures or overseas elements.

What are the main benefits of consolidating my property loans?

Consolidation simplifies repayments, may reduce interest costs, improves cash flow, and can unlock equity for new purchases or refurbishments.

Frequently Asked Questions

Need Assistance ?

Whether you need assistance with financing or have a question about our services, our team is here to support you.