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BTL portfolio

Client details: Narinder assisted in providing a £2.8m facility for a large portfolio landlord during the technically difficult incorporation of her BTL property portfolio.

Property details: A combination of single self-contained flats and HMOs in the Kensington, Bayswater, and Chelsea area.

Reason for finance: The client was now feeling the full effects of Section 24. They wanted to incorporate their portfolio to minimize their tax liability and strategically change the ownership of their investment properties to future-proof themselves against rising personal tax rates.

Challenges faced: This was a difficult case for several reasons- low-yielding assets in prime central London often struggle to meet ICR (Stress Testing) and thus need a pragmatic lender to help assist in either cross charging and/or using personal income to meet any shortfalls in coverage.

We also worked with solicitors and accountants to ensure that there was no crossover in legal and tax advice whilst making sure we adhered to lending policy.

Solution: We approached a Challenger Bank with a strong appetite to lend to professional landlords and HNWs. The case was dealt with quickly–we arranged a site visit with the lender to meet the client and the mortgage offers were in hand within weeks thereafter.

Special thanks:

Monument Bank – Conor McDermott, Edwin Yamoah

Lu Oliphant LLP – James Lau


At Coreco Commercial, we are experts at sourcing the most suitable solution for your needs, be it a bridging loandevelopment finance, or even offshore mortgages if you’re looking to purchase property aboard. Talk to us today or call 0207 220 5100. 

BTL portfolio
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