The Property Portfolio Builder is an innovative flexible finance solution designed to save time and money for the property professional.

The renewable 12-month line of credit provides instant access to funds for a new property purchase or working capital for the refurbishment of an existing portfolio. 

You will have access to a pre-approved amount, from £50k to £1m, providing easy multiple drawdowns throughout the term,  with no further arrangement, valuation or legal fees required for traditional finance.

The facility is Interest Only and calculated daily, so you only pay for the funds you use for the time used, with no monthly management, early repayment fees or cancellation notice. Capital repayments are at your discretion throughout the term of the facility.

Up to 80% LTV (1st & 2nd charge) based upon the current value of your existing portfolio. A convenient way to unlock difficult to access equity in your property portfolio.

The Portfolio Builder is a commercial loan available to UK Limited Companies. This allows loan decisions to be based on the strength of your business and provide access to loans at significantly higher LTV’s.

Valuations:

May not always be required, subject to providing local comparables or recent estate agents appraisals

Information Required:

• Last filed accounts (if applicable)
• Up to date management accounts (if available)
• Last 6 months bank statements 
• Directors address details (minimum 3 years) and date of birth
• Property portfolio list, including estimated values, outstanding mortgages, monthly rental income and mortgage payments.