Property investors can take control of their property portfolios with tailored specialist finance designed for scale, speed, and flexibility. Whether they’re expanding, refinancing, or restructuring, our portfolio mortgage loans give them the choice of short-term bridging or longer-term buy-to-let lending – all under one roof.
Our bridging loans are built for speed and flexibility. They can be arranged on a first charge basis for resi and semi-/commercial portfolios, or on a second charge basis for residential properties, making them suitable whether borrowers need to refinance quickly, unlock equity, or purchase additional properties.
For portfolio landlords, bridging loans can consolidate multiple assets into one facility or provide the speed needed to seize opportunities that can’t wait for slower traditional funding.
Our Bridge Fusion product blends the quick setup of a bridging loan with the longer-term stability of a mortgage. Designed as a hybrid, it offers portfolio landlords more time to hold or refinance, with terms up to 24 months plus an optional 12-month extension.
For investors managing scale, Bridge Fusion is especially useful to wait out uncertain times in the market. It allows them to consolidate multiple assets, restructure debt, or prepare a portfolio for sale on one lower-rate facility without a premature exit.
Our buy-to-let mortgage range extends to portfolio landlords who want long-term stability and income-focused lending. Unlike many mainstream lenders, we welcome complicated structures, larger portfolio sizes, and overseas borrowers on our buy-to-let portfolio home loan.
Our BTL mortgages are also available for commercial and buy-to-let portfolios – whether that’s investing in rental blocks, financing HMOs, or supporting mixed-use assets.
The right product depends on a borrower’s objectives and circumstances. Bridging loans are ideal if one needs fast finance to purchase, refinance, or release equity in the short term. Bridge Fusion works well for those who need more time – it combines bridging flexibility with longer-term optionality, providing support for up to 36 months.
Buy-to-let mortgages, meanwhile, provide stability and income over a longer term, perfect for landlords planning to hold and rent their assets for years to come. Many of our clients use these products in sequence, starting with bridging, moving to Fusion if needed, and then refinancing into a buy-to-let portfolio home loan for lasting stability.
We keep lending accessible for a wide range of applicants, including:
Enhanced due diligence is carried out for PEPs and high-net-worth borrowers.
Our portfolio loan structure provides room for flexibility at the end of the term. Borrowers can:
This allows investors to respond to market conditions rather than being forced into a rigid exit strategy.
Owning and managing multiple properties brings both opportunity and complexity. Rental yields, refinancing timelines, and evolving market conditions can all affect how a portfolio performs. Traditional finance often isn’t designed with portfolios in mind, leaving investors juggling multiple loans, repayment dates, and administrative overheads.
At Market Financial Solutions, we provide lending solutions that address these challenges directly. Our role as specialist portfolio mortgage lenders is to simplify the process and provide certainty. We offer three distinct routes, classic bridging loans, Bridge Fusion, and buy-to-let mortgages, each designed to work for portfolio landlords at different stages of their investment journey and make the management of large portfolios easier.
Managing a collection of properties comes with its challenges. Cash flow, refinancing, and market volatility can all impact profitability. High street banks often take a rigid approach to portfolio lending, with strict criteria on borrower type, property structure, and loan-to-value. This leaves many landlords and investors struggling to access finance, especially if they own complex or mixed-use portfolios.
At Market Financial Solutions, we pride ourselves on flexibility. We provide bridging loans, Bridge Fusion, and buy-to-let mortgages designed specifically for portfolio investors. Every case is considered individually, with a focus on speed and practicality rather than red tape. For landlords seeking certainty and tailored solutions, our approach can make all the difference in completing a deal on time.
As experienced portfolio mortgage lenders, we understand that every portfolio is different. Whether a property investor owns residential blocks, HMOs, student accommodation, or a mix of residential and semi-commercial assets, our portfolio loan structure is designed to work around their goals.
Property investors deserve finance that works as hard as they do. Whether they’re seeking a short-term bridging loan, the flexibility of a Bridge Fusion facility, or the stability of a buy-to-let mortgage, Market Financial Solutions can provide the structure they need.
Portfolio holders can call our team on +44 (0)20 7060 1234 or email info@mfsuk.com to discuss their loan requirements and we will see which product option would suit them best.
1. What is the minimum portfolio size I need to qualify?
We consider portfolios of all sizes, from a handful of residential properties to large-scale investments of £20m+.
Our Bridge Fusion Premier is designed specifically for portfolios between £20m-£65m with attractive rates to simply consolidating and managing large residential portfolios.
2. Can I include both residential and commercial properties in one facility?
Yes. Our bridging loans & buy-to-let mortgages as well as our Bridge Fusion S, M, and L tiers cover residential, semi-commercial, and full commercial assets. Fusion Premier is focused on residential portfolios only.
3. How do early repayment charges work on a portfolio mortgage loan?
Depending on the product, we apply early repayment charges during the fixed/tracker period. However there are no ERCs during the revert rate period, and depending on the product, there is a ERC-free allowance, too.
4. Can international investors apply?
Yes. We accept applications from UK, EU, and non-EU individuals and companies, subject to due diligence, as long as they are not from a sanctioned country.
5. Is there an upper limit on how much I can borrow?
Bridging loans are currently capped at £50m and buy-to-let mortgages at £10m. However, there is no fixed ceiling on Bridge Fusion. While Fusion Premier covers £20m-£65m, we consider any large loan amount above this range on a bespoke basis.
6. What happens at the end of the loan term?
Borrowers can refinance, sell part, or all of their portfolio, or extend a loan (subject to assessment). Our aim is to provide optionality rather than restricting an exit.
