Mortgages

Commercial Portfolio Mortgages

Portfolio-level financing for commercial property investors. Multi-unit, mixed-use, and office block portfolios financed and refinanced with flexible terms.

Commercial Portfolios

Scale your commercial property investments

Managing a portfolio of commercial properties requires financing that works at scale. Individual property mortgages can become complex and expensive to manage as your portfolio grows. Commercial portfolio mortgages offer a streamlined alternative, with single-facility lending that recognises the diversification and income strength of your combined assets.

Doulton Bridging Finance works with specialist commercial lenders who understand multi-asset portfolios. Whether you hold a collection of offices, a mixed-use portfolio, or a combination of retail and industrial units, we structure financing that reflects the true value and income potential of your holdings.

75%

LTV Available

25yr

Terms Available

130+

Specialist Lenders

Mixed

Use Accepted

Why Doulton

Expert commercial portfolio financing

Multi-Unit Financing

Finance portfolios of commercial units including offices, retail premises, and industrial spaces. We structure facilities that cover multiple assets under a single arrangement.

Mixed-Use Portfolios

Properties combining commercial and residential elements require specialist underwriting. We work with lenders experienced in valuing and financing mixed-use assets.

Portfolio Refinancing

Consolidate existing commercial mortgages or refinance to release equity for further investment. We find competitive terms that reflect your portfolio's overall strength.

Flexible Term Structures

Commercial portfolio lending offers a range of term lengths and repayment structures. Interest-only periods, capital repayment, and hybrid options are all available.

Experienced Investor Focus

Lenders reward experience. We present your track record effectively to secure preferential rates and higher leverage for seasoned commercial property investors.

All Commercial Property Types

From office blocks and retail parks to industrial estates and healthcare facilities, we finance commercial portfolios across all mainstream property categories.

The Process

How it works

Portfolio Assessment

We analyse your commercial portfolio - property types, tenancy schedules, lease lengths, and income - to understand your financing requirements.

Lender Matching

We identify lenders from our panel who specialise in commercial portfolio lending and offer the most competitive terms for your asset mix.

Structuring and Application

We structure the facility to optimise terms across your portfolio, manage the application process, and coordinate commercial valuations.

Completion

Our team works alongside your solicitor and the lender to complete efficiently, ensuring minimal disruption to your commercial operations.

Finance your commercial portfolio

Speak with our commercial lending specialists about financing or refinancing your portfolio. Competitive rates for experienced investors.

Get a Quote Discuss Your Portfolio

FAQs

Frequently asked questions

What types of UK mortgage can Doulton arrange?

Residential, buy-to-let, portfolio, limited-company BTL, HMO, commercial, semi-commercial, high-value, private bank, expat, interest-only, second-charge and specialist adverse-credit mortgages. We work across the whole of market.

How much can I borrow?

Residential borrowing is typically 4-5.5x income depending on the lender and profile. Buy-to-let lending is sized on rental income against stress-tested interest cover ratios. High-value lending and private bank cases are assessed holistically on wealth and serviceability.

What is the minimum deposit?

Residential mortgages typically need 5-15% deposit. Buy-to-let usually requires 20-25%. Specialist, high-value and expat ranges often require 25-40%. Larger deposits unlock better rates across every product.

Can I get a mortgage with complex income or adverse credit?

Yes. Self-employed, contractor, commission-based, bonus-reliant and multi-currency incomes all have specialist lender homes. Borrowers with recent defaults, CCJs, DMPs or historic bankruptcy can also be placed, with pricing reflecting the risk profile.

How long does a mortgage application take?

Straightforward residential applications reach offer in 2-4 weeks. Specialist, high-value and expat cases typically take 4-8 weeks. Conveyancing and exchange after that is driven by your solicitor's speed.

Related finance

Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.