Should I restructure my mortgage portfolio?

As your number of properties increase, so do the number of mortgages.

Unsurprisingly, landlords will look to a number of mortgage providers to secure the best rates and deals. This is great if you want to save money on interest payments, but having mortgages here, there and everywhere can quickly become an administrative headache.

It’s unfortunate, then, that the majority of landlords with a sprawling collection of mortgages – known as a mortgage portfolio – will begrudgingly settle for the additional administrative work, and think of it as a not very nice part of the job.

But it doesn’t have to be that way. Did you know, for example, that your mortgage portfolio can be restructured to secure better rates and save you time and money?

Just this year, the UK-based bank Paragon found that a third of landlords could save on their tax bills by restructuring their mortgage portfolio. With recent changes to property tax, the bank found that instead of purchasing more properties and taking on even more mortgages to generate additional income, one in three landlords could make more profit by reviewing their current mortgage portfolio and making simple but cost-cutting changes.

So, what could these changes include? A client recently came to us asking for our advice to restructure their expansive property portfolio. We identified a number of mortgages which weren’t pulling their weight, many of which exceeded a 90 per cent loan to value (LTV) ratio and therefore attracting huge interest rates. By refinancing a proportion of the properties, we were able to pull the average per-property LTV value down, making our client’s monthly payments significantly lower.

As part of our ongoing support, we are also tracking each of our client’s mortgages using smart, automated software, meaning we know exactly when to trigger a remortgage – saving you all of the hassle.

So, if you feel that your mortgage portfolio is becoming a burden, don’t panic. Get in touch with Home of Mortgages, the property finance professionals.

Restructure your mortgage portfolio and start saving time and money today.


Your home may be repossessed if you do not keep up repayments on your mortgage.

We charge an application fee of £95 upon submission on your mortgage. Typically our fee for arranging your mortgage is £495 payable upon offer, however, a fee of up to 1% may be charged.

LBR Financial Solutions Limited trading as Home of Mortgages is an Appointed Representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority.

You may have to pay an early repayment charge to your existing lender if you remortgage

Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority