What is a portfolio landlord

A portfolio landlord is an individual who possesses a collection of rental properties. They have various responsibilities such as managing rent, property maintenance, and tenant relationships for their entire property portfolio.

When it comes to getting a bridging loan, portfolio landlords may face different criteria in comparison to the criteria for a standard buy to let mortgage. Lenders tend to assess not just individual properties but the overall performance and risk of the entire portfolio. This evaluation helps lenders gauge the landlord's ability to manage multiple properties and maintain financial stability whilst managing their properties.

Bridging loans can be a very useful tool for portfolio landlords as they offer various benefits such as the speed of obtaining funds and flexibility in repayment. Being a portfolio landlord, you will have had more experience with property and renovations. This means that you may be accepted by more lenders, in comparison to a first time landlord or first time buyer.

It’s important to note that with all bridging finance you will need to have an exit strategy in place when the loan comes to the end of the term. Exit strategies include sale of a property, sale of investments, inheritance, and sale of shares or refinancing to a longer-term mortgage.

What can a portfolio landlord use a bridging loan for?

A portfolio landlord can use a bridging loan for various reasons, such as:

Purchasing new properties

Bridging loans are a great solution to buy additional properties and expand your portfolio, especially in competitive markets or auctions.

Property refurbishment

Bridging loans provide funds which can be used for refurbishment or development projects to increase the value of properties in the portfolio. Our light and heavy refurbishment loans start at £10,000.

Quick access to money

Bridging loans are often processed at speed, meaning that they are often used when taking advantage of investment opportunities that need immediate funding.


Bridging loans are commonly used as temporary financing while long-term finance is being arranged. This gives portfolio landlords more flexibility when managing their portfolio.

To break a property chain

Bridging loans can help with the purchase of a new property before selling an existing one, especially when timing is crucial.

Auction purchases

Bridging loans are often used in property auctions as they can quickly be arranged for individuals looking at securing funds to complete a purchase in a fast-paced auction environment.

Why use bridging finance as a portfolio landlord?

Portfolio landlords often use bridging finance due to the speed at which the loan can be processed.

Bridging loans offer quick approvals and funding, crucial for seizing opportunities like property auctions. These loans are helpful in property refurbishments, providing short-term capital for developments before securing long-term finance. Portfolio landlords also use bridging finance to break transaction chains efficiently, overcoming delays in property deals.

Overall, the speed and flexibility of bridging finance makes it an important tool for portfolio landlords in the property market and enhancing their property portfolios.

Enquiring is easy

It takes 30 seconds.

Simply fill out the form above, or call us to discuss your needs now.

Our team of experts are there for you.

You'll deal with the same experienced advisor throughout your enquiry.

We can get you the funds you need, fast.

You could get a lending decision in just one call.

Our flexible approach


We are proud to be a lender who can deliver loans at a fast approach, to consumers. We make this possible by carrying out our own legal checks, in house for loans under 100k, within hours. We can offer automated valuations, which are available to produce financial solutions in an instant.

Mercantile Trust regularly help their customers carry out renovations with heavy refurbishment loans, by providing finance fast.

No minimum income

At Mercantile Trust, we put our customers at the forefront of what we do.

We offer top slicing, where we can use your personal income when carrying out affordability calculations. If your rental income does not cover your mortgage repayments, we will top up the remaining amount that you cannot cover so you are able to get the loan you require.

No Exit Fees

We want you to be in control of your finance.
With no early repayment or exit fees, Mercantile Trust will strive to find a loan to meet your financial requirements.

Our bridging loan criteria

We aim to help absolutely everyone, however there are certain criteria that must be met in order to make a successful application:

  • Unregulated bridging applications only
  • Rates from 0.99%
  • Up to 75% loan to value
  • Most property constructions accepted
  • No personal income requirement
  • No exit fees
  • Minimum property value £75k
  • Minimum advance £25k max £500k
  • Confirmation of exit required
  • Minimum of one buy to let or residential property required
  • Serviced and rolled interest available
  • No ERC (Early Repayment Charge)
  • First and second charge available