Portfolio Remortgages

Portfolio mortgages are for 4 or more properties.

Properties can be held In personal or Ltd Co names

Usually all with same lender

Personal Guarantees are usually required.

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We offer a wide range of lending options from whole of the market

With the large sums involved in these deals its best to take expert advice. Careful selection of a suitable lending partner is key to an ongoing relationship to further grow the portfolio. Not all investors are comfortable putting all their eggs in one basket so advice is required. Rates vary according to the LTV ratio and the quality/gearing of the portfolio. The loan is stress tested to ensure the payments will not pose any problems in the short/medium term.

  • Mortgages up to 75% LTV
  • Easy application process
  • Useful to “incorporate” existing portfolio ( after tax advice )
  • Competitive rates
  • Free Valuation & Legal Fee deals often available.

Why choose us?

Here are a few reasons to choose Chess Mortgages.

Experienced advisers

We’ve been advising clients on mortgages for over 40 years.

We move fast

No need to wait; we respond & process applications quickly.

Whole of market

We scour UK lenders, private banks & offshore lenders for deals.

What you need to know…

What is a portfolio landlord?

Its anyone who has 3 BTL already and is looking to buy the 4 th or already has 4 properties whether in personal or Ltd Co name

Are the rates higher?

Not necessarily but the market is specialist

Is there a maximum number of properties I can own?

No, Some lenders do have maximum limits eg 10 but there are lenders who have no cap on your portfolio size

What our clients say…

"Excellent service and I would highly recommend to others"

Had the pleasure of instructing Chess Mortgages. Jaz was incredibly professional and impressive in her handling of my remortgage application. My application was dealt with within a week! Excellent service and I would highly recommend Jaz to others. Thank you Jaz!

Shaida Hussein

"Award winning mortgage advisors & I can see why"

Bob stepped in at very notice to assist us when we were in danger of missing out on our perfect home. We were impressed with advice we'd seen Bob provide on a forum, which was clear and sensible. It was later we found out that Chess are award winning mortgage advisors and I can see why.

Iftikhar Ahmad

"Chess was by far the best decision we made in looking for a mortgage"

I can't thank Jaz and Bob enough for their efforts in helping my wife and I in secure a mortgage. The process was effortless and they took weight off our shoulders. Having gone through getting a mortgage a number of times, I can safely say using Chess was by far the best decision we made. I will be using them again.

Shamit Rooproy


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Speak to an adviser today via a free, no obligation consultation.