London Landlord & Portfolio Finance (Non-Regulated Only)
HMO & Portfolio Landlord Finance | EAS Finance
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Landlord & Portfolio Finance in London (Non-Regulated Only)
Landlord & Portfolio Finance in London (Non-Regulated Only)
Specialist funding for SPVs, portfolio landlords, HMO operators and investment buyers across Greater London.
We arrange non-regulated buy-to-let, HMO and multi-unit finance from £150,000 to £15 million, structured for portfolio growth, not single-property ownership.
Who This Is For
Who This Is For
• SPV and Ltd-company landlords acquiring or refinancing London investment property
• HMO operators, rent-to-SA landlords, and multi-unit block (MUFB) investors
• Portfolio landlords looking to restructure, release equity, or add to existing holdings
• Investors purchasing unmortgageable or refurbishment-required stock prior to refinance
• Family offices and professional landlords seeking commercial terms, not consumer products
(We do not arrange regulated residential mortgages or finance for owner-occupiers.)
Thinking of expanding your portfolio or securing your first buy-to-let?
Contact us today for a tailored assessment and mortgage options that work for you.
Why London Landlord Finance Works Differently
Why London Landlord Finance Works Differently
London lending is shaped by a different set of pressures than the rest of the UK:
• Rental stress tests – lenders often require higher coverage due to London price-to-rent ratios
• Article 4 & Licensing – many boroughs require HMO licensing and restrict permitted development
• EPC uplift rules – sub-E-rated stock often requires capex before lenders will refinance
• Flats above commercial units – many mainstream lenders decline unless portfolio type products are used
• Section 24 tax environment – most London investors now operate through SPVs, not personal names
Because of this, “standard buy-to-let mortgages” are often unsuitable — commercial underwriting is required instead.
Types of Funding Available
Types of Funding Available
• Single dwelling and standard AST buy-to-let (SPV / Ltd only)
• HMO finance (licensed, sui generis, or Article 4)
• Multi-Unit Freehold Block (MUFB) mortgages
• Semi-commercial / mixed-use investment loans
• Portfolio refinance and equity release
• Bridge-to-let and refurb-to-let facilities
Illustrative Scenario (Enfield – HMO refinance into SPV Ltd)
Illustrative Scenario (Enfield – HMO refinance into SPV Ltd)
• 5-bed HMO in Enfield (EN3) owned personally, valued at £585,000
• Rental income: £3,950 per month (fully let)
• EPC rating: D – lender requires upgrade to C within 12 months
• Objective: Transfer into new SPV Ltd and refinance to release equity for next purchase
• Required facility: £395,000 (c. 67% LTV) on 5-year commercial BTL
• Stress test: 140% at 6.5% (meets lender DSCR rules due to multi-let income)
• Outcome: Equity released + higher leverage achieved in SPV vs personal ownership
(Figures shown for illustration only. Terms depend on experience, rental coverage, EPC status and portfolio leverage.)
Common Mistakes Landlords Make
Common Mistakes Landlords Make
Chasing the lowest rate – The cheapest deal isn’t always the best. Loan-to-value limits, early repayment charges, and lack of flexibility can cost more in the long run
Ignoring tax structure – Holding property in your own name versus a limited company can make a big difference to your tax liability. Good finance planning looks at the whole picture
Underestimating costs – Maintenance, void periods, insurance, and compliance (EPC, gas safety, etc.) all eat into returns if not factored in from the start
Overleveraging – Borrowing to the max looks tempting but leaves no margin for interest rate rises, unexpected expenses, or market shifts
Overlooking lender criteria – Lenders can be strict on property type, tenant profile, or location. Spotting these issues early avoids delays or refusals
The right broker ensures you sidestep these traps and keep your investments performing
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