Commercial Portfolio Mortgages
Commercial portfolio mortgages for investors holding multiple commercial properties - assessed at portfolio level rather than property by property, unlocking better pricing, higher overall LTV, and consolidated facility management.
Portfolio-level assessment for commercial investors
Commercial investors holding multiple tenanted properties benefit from portfolio assessment rather than individual property underwriting. A portfolio with a surplus-generating prime office block can offset a more marginal retail unit - something property-by-property assessment cannot capture. Specialist commercial portfolio lenders assess the aggregate income across all properties, providing better pricing and greater flexibility than individual property applications.
Commercial portfolio finance - every structure placed
Portfolio Income Assessment
Aggregate net rental income from all portfolio properties assessed against the aggregate mortgage interest across the facility. Strong performers can offset weaker assets - providing a more realistic picture of portfolio income than individual property assessment.
Consolidation Facility
Multiple existing commercial mortgages across different lenders can be consolidated into a single portfolio facility - simplifying administration, reducing management costs, and potentially improving the overall LTV and rate.
Mixed Asset Type Portfolios
Portfolios mixing offices, retail, industrial, and mixed-use assets require lenders comfortable with assessing multiple property types simultaneously. Specialist commercial portfolio lenders have the underwriting capability for mixed-asset portfolios.
Revolving Facility Structure
Some specialist commercial portfolio lenders provide revolving credit facilities - allowing drawdown as new properties are acquired and repayment as properties are sold, without requiring a new application for each transaction.
Institutional and Private Bank Funders
Larger commercial portfolios - typically above £5m - require institutional lenders and private bank funders who can underwrite the portfolio scale. We access the full range of commercial portfolio funders for larger transactions.
Portfolio Growth Finance
Equity released from existing portfolio properties through remortgage funds deposits on new acquisitions. Portfolio-level assessment enables more equity to be released than individual property remortgage would allow.
How it works
Portfolio schedule and income review
Share the full schedule of properties - address, tenants, rents, lease terms, current mortgage position. We model the portfolio ICR and identify the most appropriate portfolio lender.
Lender approach and indicative terms
We present the portfolio to specialist commercial portfolio lenders in the format their credit teams expect. Indicative terms typically returned within 48 hours.
Commercial valuations
Portfolio commercial valuations are coordinated across all properties simultaneously. Senior RICS commercial valuers are instructed. Coordinating multiple valuations is a broker management function we handle.
Legal completion
Portfolio commercial transactions are legally complex. We co-ordinate lender solicitor and borrower solicitor across multiple properties and security registrations.
Managing a commercial property portfolio?
Share your portfolio schedule. We return indicative portfolio commercial mortgage terms within 48 hours.
Frequently asked questions
What is the minimum portfolio size for a commercial portfolio mortgage?
Typically £500,000 to £1m combined value across the portfolio, with at least 2-3 properties. Below this threshold, individual commercial mortgages are usually more appropriate.
Can a mixed asset portfolio be financed together?
Yes. Specialist commercial portfolio lenders are experienced with portfolios mixing office, retail, industrial, and mixed-use assets. The portfolio assessment methodology handles different property types within the same facility.
Is a commercial portfolio mortgage cheaper than individual mortgages?
Potentially. Portfolio lenders may offer better pricing on larger combined facilities, and the consolidation of multiple facilities into one reduces management cost. The answer depends on the specific portfolio, existing rates, and the terms achievable.
Can I use a commercial portfolio mortgage to fund new acquisitions?
Yes - either through equity release from existing portfolio properties or through a revolving facility structure. Some specialist lenders provide facilities that allow new acquisitions to be drawn down without a full new application.
What documentation is required for a commercial portfolio mortgage?
Full property schedule, tenancy agreements, rent schedules, lease terms, current mortgage statements, last 3 years of accounts, and business plan for the portfolio. Commercial portfolio applications are document-intensive - we manage the assembly process.