Property schedule
Keep a clear record of properties, mortgage balances, values, rents and upcoming deal dates.
Portfolio landlord mortgages
As a landlord with more than one property, your mortgage review can involve the whole portfolio as well as the next property. Prepare the information an advisor may need.
What may need reviewing?
Portfolio affordability
The lender may consider the wider portfolio, rental income, borrowing and the proposed transaction.
Timing
Coordinate refinancing, purchases and deal expiries so that you understand the sequence and costs.
Structure
Ownership and company arrangements can affect the questions to ask. Obtain separate tax and legal guidance where needed.
Prepare for the conversation
- List each property and secured borrowing.
- Record current rent and deal expiry dates.
- Note planned purchases, sales or refinancing.
- Gather income and property documents.
- Ask how fees and early repayment charges may affect the plan.
Plan the next step for your property portfolio
Tell us whether you are expanding or refinancing your portfolio. An advisor can discuss your existing properties and borrowing plans.