[et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.9″ _module_preset=”default”][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” column_structure=”1_2,1_2″ theme_builder_area=”post_content” module_class=”about-hero” hover_enabled=”0″ sticky_enabled=”0″][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”1_2″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n
FOR SERIOUS INVESTORS<\/p>\n
Portfolios, HMOs, mixed-use buildings and investors buying from overseas. The cases other brokers find tricky are the ones we enjoy. We structure the finance around your strategy, not the other way round.<\/p>\n
\u2605\u2605\u2605\u2605\u2605<\/span> 5.0 from 120+ Google reviews \u00b7 FCA authorised \u00b7 NACFB Assured<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”1_2″ theme_builder_area=”post_content”][et_pb_image src=”https:\/\/smfinancelounge.co.uk\/wp-content\/uploads\/2026\/11\/Web-14.jpg” _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” alt=”Simona Minikaitiene, property investor mortgage broker at SM Finance Lounge” title_text=”simona-minikaitiene-property-investor-mortgage.jpg” max_height=”480px” custom_padding=”0px||0px||false|false” hover_enabled=”0″ sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.9″ _module_preset=”default” background_color=”#e8f1ed” custom_padding=”0px||0px||false|false” hover_enabled=”0″ sticky_enabled=”0″][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n Every property investor mortgage is different. We arrange finance for:<\/p>\n Foreign investors<\/p>\n Living overseas and investing in UK property, in your own name or through a UK limited company.<\/p>\n<\/div>\n Portfolio landlords<\/p>\n Four or more mortgaged rentals, including refinancing several properties together on one application.<\/p>\n<\/div>\n HMOs and multi-unit blocks<\/p>\n Houses in multiple occupation and freehold blocks of flats, which need lenders that understand them.<\/p>\n<\/div>\n Commercial and semi-commercial<\/p>\n Shops, offices and mixed-use buildings, such as a shop or off-licence with a flat above.<\/p>\n<\/div>\n Holiday lets<\/p>\n Short-term and holiday rentals, assessed by lenders on expected holiday income.<\/p>\n<\/div>\n Refurbishment and development<\/p>\n Light and heavy refurbishment, conversions and ground-up projects, often using bridging, then refinancing onto a property investor mortgage.<\/p>\n<\/div>\n<\/div>\n Once you have four or more mortgaged buy to lets, lenders look at your whole portfolio<\/strong>, not just the property you’re buying or refinancing. They’ll want a schedule of every property, its rent and mortgage, and often a business plan. Getting this right first time makes every future property investor mortgage easier.<\/p>\n Many investors buy through a special purpose vehicle (SPV), a limited company set up just to hold property, which opens up the widest choice of lenders. We’ll help you understand how lenders view each structure for your property investor mortgage. Speak to an accountant about the tax side before you decide.<\/p>\n We look at your whole strategy, not just one deal: how you’ll buy, refinance, grow and protect your portfolio. As NACFB Assured brokers, we work with specialist, commercial and buy to let lenders every day, so your property investor mortgage is placed with a lender that understands it first time.<\/p>\n PORTFOLIO LANDLORD<\/p>\n 5 properties, 1 application<\/p>\n A landlord with 20 properties had 5 deals ending at once and was dreading the paperwork and legal work. We arranged a multi-property mortgage: one application, one assessment, one rate and one monthly payment for all five.<\/p>\n<\/div>\n MULTI-UNIT FREEHOLD BLOCK<\/p>\n Offer in 10 days after other declines<\/p>\n Our client came to us after several declines through another broker on a freehold block of flats. We went straight to the right lender and had a mortgage offer in just 10 days.<\/p>\n<\/div>\n SEMI-COMMERCIAL<\/p>\n An off-licence with a flat above<\/p>\n Mixed-use buildings, like a shop downstairs and a flat upstairs, rule out most standard lenders. There are options for these properties, and we know where to find them.<\/p>\n<\/div>\n FOREIGN INVESTOR<\/p>\n Investing in the UK from Europe<\/p>\n Our client lived in Europe and wanted to invest in UK property with a 25% deposit. We found a lender that accepts overseas investors and arranged the purchase from start to finish.<\/p>\n<\/div>\n<\/div>\n Every case is different. All finance is subject to lender criteria, rental assessment and valuation.<\/p>\n Yes. Some lenders offer multi-property or portfolio mortgages, so several properties can sit on one application, one rate and one monthly payment. It can save a lot of time and legal work.<\/p>\n<\/details>\n Yes. Specialist lenders accept overseas investors, usually with a deposit of at least 25%. Non-UK residents pay an extra 2% stamp duty on top of the 5% additional property surcharge. See our expat mortgages<\/a> page too.<\/p>\n<\/details>\n Yes. Semi-commercial properties need specialist lenders, but there are good options depending on the business, the lease and the split between commercial and residential space.<\/p>\n<\/details>\n No. The furnished holiday lettings tax regime ended in April 2025, so holiday lets are now taxed like other rental property. Speak to your accountant about what this means for you.<\/p>\n<\/details>\n Often, yes. Many of our investor cases come to us after a decline. Complex cases usually just need the right lender and the right presentation.<\/p>\n<\/details>\n Buying fast or refurbishing? See bridging finance<\/a>, buy to let mortgages<\/a> and business loans<\/a>. Official guidance on GOV.UK stamp duty rates<\/a>.<\/p>\n Most buy to let and commercial mortgages are not regulated by the Financial Conduct Authority.<\/p>\n<\/div>\n<\/div>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.9″ _module_preset=”default”][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” custom_padding=”60px||60px||false|false” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n BOOK YOUR FREE CONSULTATION<\/p>\n Tell us about the property, your portfolio and your plans. Simple or complex, we’ll show you the options and how quickly we can move.<\/p>\n<\/div>\n Free 30-minute consultation<\/p>\n \u2713<\/span> Pick a time that suits youWho we help with a property investor mortgage<\/h2>\n
Portfolio landlords: why it’s different<\/h2>\n
Personal name, limited company or SPV?<\/h3>\n
How we help<\/h2>\n
Real property investor mortgage results<\/h2>\n
Property investor mortgage FAQs<\/h2>\n
Can I refinance several properties at once?<\/summary>\n
Can a foreign national get a property investor mortgage?<\/summary>\n
Can I get a mortgage on a shop with a flat above?<\/summary>\n
Do holiday lets still get special tax treatment?<\/summary>\n
I’ve been declined for a property investor mortgage elsewhere. Can you still help?<\/summary>\n
Got a deal on the table?<\/h2>\n
\u2713<\/span> Phone or video call from anywhere
\u2713<\/span> No obligation to proceed
\u2713<\/span> Kalbame lietuvi\u0161kai \u00b7 \u0413\u043e\u0432\u043e\u0440\u0438\u043c \u043f\u043e-\u0440\u0443\u0441\u0441\u043a\u0438<\/p>\n