Home » About Us » Who We Help » Landlords & Portfolio Investors

Landlords and Portfolio Investors: Finance That Keeps Your Portfolio Growing

From a single rental property to a growing portfolio held in a limited company, we arrange the finance and help you think through the structure behind it.

The Challenges Landlords Face

A Market That Has Become More Complex

Letting property has changed significantly in recent years. Restrictions on mortgage interest tax relief, tighter rental stress tests and stricter rules for portfolio landlords mean that the right finance, and the right structure, matter more than ever.

Many landlords also find that their mortgages have become disorganised over time: deals ending at different times, some properties on standard variable rates, and no clear view of how much equity is available for the next purchase.

How We Help

Finance for Every Stage of Your Investment Journey

First purchases and accidental landlords

We find lenders who welcome first-time landlords and help those letting a former home put the right mortgage or consent to let in place.

Limited company investing

We arrange mortgages for special purpose vehicles and trading companies, with joined-up structuring support from our accountancy colleagues.

Portfolio landlords

With four or more mortgaged properties, lenders assess your whole portfolio. We prepare property schedules, cash flow figures and business plans that present your portfolio clearly.

Auctions and refurbishments

Bridging finance lets you move fast on auction purchases and value-add projects, with a planned exit onto a longer-term mortgage.

Portfolio reviews

We map when each deal ends, test each property against current lending criteria and identify where refinancing could improve cash flow or release equity.

The Futurewise Difference

Finance and Accountancy, Side by Side

For landlords, the finance and tax questions are closely linked. Should the next property go in your name or a company? Is it worth transferring existing properties? How will you draw income in future?

As the sister company of Futurewise Accountancy, we can coordinate tax advice on structure with the mortgage arrangements, so the two fit together. Fewer surprises, and better long-term decisions.

Please note: Futurewise Finance does not give tax advice. Tax advice is provided separately by Futurewise Accountancy or your own accountant.

FAQs

Frequently Asked Questions

What counts as a portfolio landlord?

Lenders generally define a portfolio landlord as someone with four or more mortgaged buy to let properties.

Can you help with HMOs and multi-unit blocks?

Yes. We work with specialist lenders who finance houses in multiple occupation and multi-unit freehold blocks.

Self-Employed and Contractors

Sole traders, partners, company directors, CIS workers and day-rate contractors often find high street lenders difficult. We know which lenders assess your income fairly, and with our accountancy background we can present it properly.

View Self-Employed and Contractors →

Business Owners

From equipment and vehicle finance to commercial property purchases and short-term bridging, we help businesses raise the funding they need to grow, with lenders who understand their sector.

View Business Owners →

Futurewise Accountancy Clients

If Futurewise Accountancy already looks after your books, much of the groundwork is done. With your permission, we can use your existing records to move your application forward faster and with fewer document requests.

View Futurewise Accountancy Clients →

How it works

Working With Us Remotely

We work with clients in every corner of the UK, and almost all of our work is carried out online.

Free initial consultation

A short call or video meeting to understand what you want to achieve and what your finances look like.

Online meetings

Talk to your adviser by video or phone at a time that suits you, including [EVENINGS / WEEKENDS, CONFIRM].

Secure document upload

Send payslips, bank statements and accounts through our encrypted portal the moment you have them.

Electronic ID verification

Confirm your identity online in minutes.

E-signatures

Sign your paperwork digitally, from your phone if you like.