portfolio finance

As a property developer with properties numbering in the double-figures, you may have accrued a number of financial products servicing your various interests. You may find it convenient and beneficial to consolidate those into one package – in which case portfolio finance might be for you.

buy to let mortgage

applying for
portfolio finance

With potential lenders in place, Affinity will let you decide if you’re confident in putting forward a business case for investment. If not, Affinity Connect can help you secure the investment you need.

speak to us about
portfolio finance

Affinity can help find a reliable business lender for your circumstances. If you’re ready to talk to us about your business lending requirements, get in touch.

portfolio finance application quick guide

Till
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we’ll review your information
The information you provide will be reviewed by a specialist broker who has the portfolio finance expertise to help source the right lender for you.
we’ll contact you to learn about your requirements
We will help you to put the right property portfolio plan in place to suit your circumstances.
we search providers to identify the ideal product
We will work with you or your professional advisors to make sure this goes forward to any prospective lenders in the best possible light.

most common faqs

Do I need to have comprehensive accounts and projections to apply for portfolio finance?

In a perfect world yes, However, we do understand that they are not always readily available in full. Your broker will advise you of the necessary documentation required to avoid you having to provide information over and above what is required both by the lender and us as your mortgage broker.

Will I need to give details as to how the portfolio finance will be deployed?

In order to ensure we satisfy our regulatory commitments around anti money laundering an understanding of your future plans is necessary and will be undertaken during the fact finding stage. However, property entrepreneurs and developers often require ‘war chest’ funds to utilise when an opportunity arises. In such cases it would not be possible or a requirement to provide categorical confirmation around onward purchases.

Will I need to give a projection of the income that my overall portfolio generates?

Will I need to give a projection of the income that my overall portfolio generates. This may be required but it would be prudent to have this information at hand because although the lender may or may not ask for it we would love to have the information to hand just in case they do - we do love to be efficient!

What kinds of documentation will I need to produce?

This will depend on each individual case, your mortgage broker will provide you with a shopping list of required documents at the outset and as the case progresses. It is often preferable for us, with your consent, to have direct dialogue with your professional advisors such as your accountant and/or solicitor. By liaising directly with your advisors we can take some of the leg work off your desk.

What factors will affect the interest rate I will pay?

Your mortgage broker will always aim to source the cheapest rate available across the entire market under your circumstances, whilst also considering other factors such as lenders appetite for certain deals and geographical areas, yours and your business’s credit history and deposit/equity funds available. There are many more factors to be considered, of which the list is not exhaustive. Your broker will always explain the reasoning behind the lender chosen and an indication of where the pricing sits across the market.

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what our customers are saying about us on trustpilot

Shel Parker 5* review

Shel Parker

trustpilot review

5* experience and service from start to finish!!!!

Affinity Mortgages are an approachable, friendly team of people that go over and above to make the whole process of buying a house a pleasant one. I recommend them to anyone and everyone considering buying a house or remortgaging. I can’t speak highly enough!!!!

Ryan Love 5* review

Ryan Love

trustpilot review

Great company, highly recommended

A really great company with highly skilled and friendly people. It was my first mortgage, and the advice I was given was invaluable to me. Can’t recommend highly enough.

Tony Wooster 5* review

Tony Wooster

trustpilot review

Very Professional

Very professional, nothing is too much trouble for them, went through everything in a manner I could understand and very detailed. Got me a very competitive deal and would definitely use them again.

have a question?

If there’s anything you’re unsure about, or if you just want to get the ball rolling, please email us – or give us a call if you want to have a word with a friendly human.

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