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Property Finance

Portfolio Finance

Whole-portfolio structures and cross-collateralised facilities for residential, commercial and mixed property portfolios.

Typical Range:£2M – £200M+
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Overview
We introduce portfolio finance requirements to specialist lenders and institutional investors with the capability to structure facilities across residential, commercial and mixed property portfolios on a whole-portfolio basis.

Portfolio finance allows property investors to consolidate multiple assets under a single structured facility, rather than managing individual property loans. This simplifies the debt structure, often reduces the overall cost of borrowing and provides greater flexibility for portfolio management.

Whole-portfolio facilities can be structured as term loans, revolving credit facilities or hybrid structures. Lenders consider the aggregate LTV, rental income, portfolio quality and the borrower's overall balance sheet strength.

Suited For
Portfolio landlords with 10+ properties
Residential buy-to-let and HMO portfolios
Mixed residential and commercial portfolios
Commercial investment portfolios
Property companies restructuring existing debt
Family offices consolidating property lending
Key Features
Whole-portfolio and partial portfolio structures
Mixed tenure portfolios accepted
Revolving and term loan structures
Release of equity from unencumbered properties
Competitive rates for high-quality portfolios
UK-wide coverage with no minimum property count
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Compliance Notice: RC Private Clients acts solely as an introducer and does not lend money, provide regulated financial advice or arrange regulated finance. Any regulated activities are undertaken by appropriately authorised third-party firms.