Industry Insights

Multi-Property Portfolio Lending from Together

Hope Capital widens its Dual+ bridging loan to £1m and into Scotland.

How Together is leaning into a new state of play for multi-property portfolio lending

Joanna Elton, Key Account Manager at Together

As the effects of the Renters’ Rights Bill begin to unfold, at Together we’re seeing early signs of an industry shift, with landlords looking to optimise their position, spread risk across their portfolios, improve operational efficiency and prepare for new opportunities.

Let’s talk portfolio lending

Whilst landlords sit tight to see how this plays out alongside rising rates and taxation, we’re noticing that astute property owners are restructuring from fragmented finance deals linked to individual properties to a structured portfolio approach.

Simplifying and scaling property portfolios

At Together, we’re keen to support you and your clients to drive operational efficiencies through restructuring their property portfolio for purchase or refinance, reducing admin and even exploring new opportunities with flexible second charge options. Here are some of the ways our Buy to Let product could help:

  • One Direct Debit, one maturity date and one affordability assessment across the portfolio.
  • Single personal guarantee covering multiple properties
  • No limit on the number of properties held
  • AVMs available on residential assets*
  • Second charge options to release equity without impacting existing rates.

Through a flexible approach to lending, we’re committed to helping you support your clients with longer-term finance solutions and guidance as they restructure their property portfolios.

To learn more about the option of multi-property portfolio lending you can visit our website here  or speak to Jo

About Joanna

With over 20 years’ experience in the intermediary finance industry, excelling in supporting complex commercial cases, Jo is ideally placed to support your portfolio clients.

*subject to AVM criteria

For intermediaries only.

About Together

We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to lending.

That means we take the time to understand our customers and find a property finance solution that works for them. Our door is always open, so we can often help when other lenders can’t or won’t.

Our common-sense approach means we consider a wide range of scenarios, including:

Income sources: employed, self-employed, benefits, pensions, sole traders, partnerships, limited companies.

Property types: residential, commercial, land – regardless of structure or usage.

Customer profiles: expats, overseas nationals, limited companies, complex structures.

Credit histories: from perfect scores to past challenges.

Our products include First and Second Charge Residential, Buy to Let, Commercial mortgages and Bridging loans.

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