Investment & Portfolio Finance

A Strategic Approach for Property Investors

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For the professional property investor, managing and growing a portfolio requires a sophisticated and strategic approach to finance. As your portfolio expands beyond a few properties, managing individual mortgages becomes inefficient. Portfolio Finance provides a powerful solution, consolidating your borrowing into a single, cohesive facility that offers greater flexibility, optimised rates, and the power to unlock equity for future growth.
 

At Knightly Group, we specialise in structuring bespoke portfolio loans for landlords with multiple properties. We understand that your portfolio is a dynamic business, and we provide the expert advice needed to align your funding with your long-term investment ambitions. Whether your current loan term is expiring, you wish to secure more competitive terms, release capital for refurbishment, or fund a new acquisition, we are on hand to deliver the optimal solution.
 

Our Portfolio Finance Expertise

Our team of specialist advisers have deep expertise across the entire residential investment landscape. We have established relationships with a vast network of funders, from major banks to highly specialist lenders and private funding lines, enabling us to finance a diverse range of assets for both individual and corporate landlords.
 

Buy-to-Let (BTL) Portfolios For landlords with a portfolio of standard residential buy-to-let properties, we can arrange facilities that streamline management and improve overall gearing. We work with you to refinance existing assets onto a single, manageable loan, often securing more favourable terms than could be achieved with individual mortgages.
 

Specialist HMO & MUFB Portfolios We are true specialists in arranging finance for higher-yielding, complex assets. Houses in Multiple Occupation (HMOs) and Multi-Unit Freehold Blocks (MUFBs) require expert presentation to lenders due to their unique licensing and management requirements. We have a proven track record in securing excellent terms for:

• Student housing

• Properties shared by young professionals

• Blocks of individual flats under a single freehold title
   

Asset Stabilisation & Re-structuring Sophisticated investors often generate significant returns by unlocking the potential in underperforming assets. Our portfolio facilities are designed to support this strategy, providing the capital needed to stabilise a property and maximise its value before it becomes a core part of your long-term holdings. We can help you:

• Acquire and Refurbish: Finance the purchase and subsequent refurbishment of a dated property, leveraging the strength of your existing portfolio to secure the necessary funds.

• Fund Conversions: Structure funding for projects involving a change of use, such as converting a small commercial building to residential units, thereby creating new, income-generating assets.

• Improve & Re-gear: Release equity from your portfolio to fund energy-efficiency improvements (EPC upgrades) across your assets, enhancing their value and ensuring regulatory compliance.

• Post-Works Refinancing: Once a project is completed and tenanted (stabilised), we can re-structure the finance onto better long-term rates, allowing you to release your initial capital and deploy it onto your next venture.
   

Key Financial Structuring & Criteria

We pride ourselves on navigating the market to find flexible and competitive terms tailored to your portfolio's specific rental performance and your personal circumstances.
 

• Loan to Value (LTV): While funding is typically sourced for up to 75% of the total portfolio value, our access to specialist lenders means that in certain scenarios and for strong cases, we can structure solutions that exceed this threshold. The final LTV available is always directly linked to the strength of the portfolio's rental performance and its ability to pass the lender's affordability stress tests.

• Borrower Structures: We cater to all modern landlord structures, arranging finance for both private individuals and corporate entities, including Limited Companies and Special Purpose Vehicles (SPVs).

• Repayment Options: We can arrange facilities on a basis that suits your cash flow strategy:

  • Interest-Only: Provides lower monthly outgoings to maximise your rental profit.

  • Capital & Interest: A structured repayment plan that reduces your debt and builds equity across your portfolio over the loan term.
     

Whatever your requirement, from a single investment property to a complex, multi-million-pound portfolio, we have the expertise to source the most appropriate and competitive funding in the market. Contact our team today to discuss how we can help you achieve your property investment goals.