Multi-property mortgages | Hampden & Co Private Bank

For clients who are professional landlords, we offer multi-property mortgages where one loan can cover some, or all of your portfolio.

This offers several benefits:

            Ease of administration
        
            Having one loan to cover several properties avoids arranging every mortgage individually.  And having one monthly payment simplifies your financial forecasting.

            Balancing LTVs
        
            Property portfolios typically have mortgages at a range of different Loans-to-Value (LTVs).  As those with a higher LTV are typically more difficult to re-mortgage, a multi-property mortgage can balance the LTV across the value of the whole portfolio.

            Simplify portfolio growth
        
            Funds can be agreed in advance and drawn down when required which can help with refurbishment costs or when adding to the portfolio.

            Payment flexibility
        
            When funds are borrowed on a variable rate, overpayments can be made at any time with no penalty. For funds borrowed on a fixed rate, overpayments of 10% per year can be made without any penalty.

            Inclusive affordability evaluation
        
            In addition to the revenue from the properties, we can consider non-property income when calculating affordability.

We can also work with our clients' other professional advisers to ensure that they have the appropriate tax advice for their property investments.

If you would like to discuss a multi-property mortgage, please get in touch.

Protect your valued assets

Hampden & Co works with specialist insurance provider Hiscox Private Clients who can offer you flexible cover, tailored to your specific requirements with a personalised service that complements our own. Please speak with your banker for more details.

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All borrowing is subject to status and is available to persons of 18 or over. Security might be required for borrowing in the form of a charge or standard security over land, or other forms of security over your investments or other assets.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.