We’ll look at the basics: price vs likely value, discount story, rent roll, current broker/lender plan, and your goals. You leave with a quick yes / no / maybe and whether a deeper blueprint is worth it.
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Will Your £1m+ Portfolio Deal Trap Your Cash?
Attention: UK investors buying £1m+ portfolios
Start with a free 15-minute Portfolio Fit Review to see if your deal is likely to trap your cash. If it passes, you can upgrade to a detailed Portfolio Finance Blueprint with two or more viable lender routes.
Start With Free 15-Minute Portfolio Fit Review
Minimum £1m portfolio purchase. Serious UK investors only.
First step is always free. The blueprint is only offered if we’re confident we can help.
If you’re not 100% sure your broker has placed complex £1m+ portfolio/company deals with the right lender pool, this call is for you.
Watch this 5‑minute video before you book
Minimum £1m UK portfolio purchase and £200k+ cash or £300k+ equity. Serious investors only.
1
Free 15-Minute Portfolio Fit Review
2
Portfolio Finance Blueprint (Optional)
If your deal looks viable and you want specifics, we’ll build a full written blueprint: exact lender lanes, structures, rates, fees, cash-in/cash-out, and how to present it to lenders and the vendor. If we can’t show you at least two viable routes, we refund the fee.
Get a quick yes / no / maybe on whether your structure, broker plan, and lender
lane look fundable for a £1m+ portfolio or company deal.
- Check real lender appetite before you spend thousands on surveys and legals.
- See if you can be in and out using the same pot of cash, instead of trapping equity for years.
- Map the full menu of viable funding options (dayone term, bridgetorefi, 90/75, 80/75, deferred consideration) instead of guessing off one broker’s panel.
Only if it makes sense, upgrade to a full written blueprint with exact lender lanes, rates, fees, and cash-in/cash-out numbers.
Structured finance on £1m–£8m+ portfolio deals for
UK investors for 17+ years.
Example: Client bought 6 flats at a 30% discount; we structured a 90/75 exit so they pulled all their
cash back out at the back end
Another: £8m portfolio company purchased at a 25% discount using ~2% deposit
Most brokers spend their time on single buy-to-let. We spend ours on complex £1m+ portfolio and
company/share transactions.
FCA‑regulated advice delivered via Connect IFA
Specialist in £1m+ portfolio purchases and company/share transactions
Case studies: £1.2m, £1.5m, and £8m portfolio deals completed
Works almost exclusively on £1m+ portfolio and company/share deals (not vanilla BTL)
Three Ways £1m+ Portfolio
Deals Go Wrong
On seven‑figure portfolios, one missed detail can trap your cash for years. These are the failure patterns I see most often:
Valuation comes in 5–10% under the
agreed price and wipes out your deposit or
destroys the loan size… because no one reality-checked the ‘discount’ story or surveyor
evidence.- Lender says ‘no appetite’ at
underwrite because a vanilla BTL broker pitched a
creative portfolio/company/share structure to the wrong lender pool.
- Bridge exit was based on hope, not
actual exit lenders, stress tests, or valuer
assumptions… so refinance on the terms you expected was never real.
- Seller expectations are miles
above what valuers and lenders will support, so you
burn fees and months on a deal that was never going to complete.
The free Portfolio Fit Review exists to find these landmines before you commit fees and reputation
What You Get In Your Portfolio Finance Blueprint
Everyone starts with a free Portfolio Fit Review. If your deal passes that screen and you want a full lender-safe plan, the Portfolio Finance Blueprint comes with a simple guarantee: if we can't show you at least two viable lender or structure routes for your deal, we refund the fee in full.
We’ll review:
- Purchase price, ‘discount’ story, and realistic valuation risk
- Rent roll and DSCR stress tests lenders actually use
- Structure: SPV vs company/share purchase, ownership changes, PGs
- Your current broker / lender plan and where it’s likely to fail lender or credit appetite on a £1m+ portfolio.
- Seller expectations against realistic lender and valuation ranges so you’re not chasing an impossible price.
You’ll leave with:
- Two or more viable lender/structure lanes, or a clear ‘not fundable yet’ verdict
- A cash‑in / cash‑out / yield picture you can sanity‑check
- Specific fixes to make the deal more lender‑ and surveyor‑friendly
- Talking points and a structure you can use to reset an unrealistic vendor without blowing up the relationship.
Who This Is For (And Not For)
Perfect for you if:
You want a specialist who’s actually submitted and completed £1m+ portfolio/company deals with the right lenders, not a generalist ‘any lender will do’ broker.
- You’re buying a £1m+ UK portfolio or company that owns a portfolio
- You have at least £200k cash or £300k+ usable equity
- You care more about getting the deal done and recycling cash than chasing the absolute cheapest rate
Not a fit if:
You’re just looking for a cheapest-broker quote or a free second opinion.
- You’re just starting out with your first single buy‑to‑let
- You’re looking for free advice or a cheapest‑broker quote match
- Your deal size is under £1m
Book My Free Portfolio Fit Review
Pick a time in the calendar below that works for you (and any partners).
Answer a few quick questions about the portfolio and your goals,
Join the Zoom call; we’ll walk the deal, show you the options, and agree next steps.
If we’re not confident we can help after reviewing your answers, we’ll email you and cancel the slot so you don’t waste your time.
Start With Free 15-Minute Portfolio Fit ReviewReal Deals: How The Right Lane Saved Investors
Cash, Time, And Headspace
Three recent portfolio cases where a different broker or structure would have trapped cash or killed the deal.
£1.8m portfolio company: avoided an unnecessary bridge and cut deposit to ~1%
Before coming to us, the buyer was about to use a bridge to buy the shares of a company holding 7 properties at 75% of value, then refinance all 7 onto term debt. On paper it looked fine. In reality, using a bridge to buy a company was the wrong lender lane and would have wiped out around 10% of their deposit once fees, interest, and exit timing were factored in. We restructured the deal straight onto term lending with ~1% deposit, then jumped on a call with the seller’s conveyancer, company solicitor, and accountant to walk everyone through the sequence. One valuation, one legal process, one broker fee – and a seller who was exceptionally happy with the clarity
Deal type: company/share purchase · Purchase price: £1.8m · Old route: bridge + refi · New route: straight to term, ~1% deposit
£900k portfolio: 3 failed broker attempts, 3 wasted valuations, then 1 clean 90/75 term deal
This client came to us after three separate broker attempts had all failed, each time sending them back to a bridge route and costing three valuation fees. On a quick 15 minute call we could see the real issue: wrong lender lane and no understanding of portfolio safe structures. We moved the case to a lender who would go straight to term at 90% of 75% of surveyor value on a genuine 25% discount. Result: a 10% deposit, one valuation, one product, no bridge at all. That single change in structure saved the client around £50k versus the bridge first, refi later path they’d been pushed down.
Deal type: personal portfolio into SPV · Surveyor value: ~£900k · Route: 90% of 75% of value on term · Estimated saving: ~£50k vs bridge
£1.5m deal: 25% discount, all cash back out using a 90/75 structure
In another portfolio purchase, the buyer was acquiring at a 25% discount to value. Most brokers either treated it as a distressed sale or pushed a standard bridge then refi that would have trapped cash for years. We structured a lender safe 90/75 route instead: term lending based on the lower of price or value, with the right leverage on the back end. The client completed the purchase and then pulled all of their original cash back out at refinance, keeping the portfolio and their liquidity.
Deal type: £1.5m portfolio purchase · Discount: 25% · Route: 90/75 structure · Outcome: deposit fully recycled
FAQ
Frequently Asked Questions
No. The first step is always a free 15 minute Portfolio Fit Review. We’ll sanity check the deal and tell you straight if it’s not fundable, or if a full blueprint is worth doing. The Portfolio Finance Blueprint is optional and only offered if we’re confident we can help.
A written lender safe finance blueprint for this specific deal: recommended lender lanes, term vs bridge options, rates, fees, cash in/cash out numbers, and talking points to align the vendor. If we can’t show you at least two viable routes, we refund the fee.
Then you never pay the fee. The free Fit Review exists to catch those early so you don’t burn survey and legal fees.
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The guidance and/or advice contained within the website is subject to the UK regulatory
regime and is therefore primarily targeted at customers in the UK.
The Financial Conduct Authority does not regulate some aspects of buy-to-let mortgages.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
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