Green Portfolio Investment Loan

1st June 2021
Chris Whitney HEAD OF SPECIALIST LENDING

Chris Whitney

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Green Portfolio Investment Loan
HEAD OF SPECIALIST LENDING

Chris Whitney

With access to more than 500 lenders, we have experience with every type of mortgage. If you have a residential investment portfolio and are looking for a loan of £1m+, this exclusive product might be for you.

Green Portfolio Investment Loan

If the EPC grades for 90% of the property portfolio (as measured by area) are between A,B and C, then the following pricing and terms can be applied: 

LTV Fixed Interest Rate Arrangement Fee Term
<60% 2.75% 1.00% 4 or 5 Years
>60% 2.95% 1.00% 4 or 5 Years

 

Green Portfolio Improvement Loan

If the EPC grades for 90% of the property portfolio (as measured by area) are between A,B, C or D , then the following pricing and terms can be applied: 

LTV Fixed Interest Rate Arrangement Fee Term
<60% 3.00% 1.00% 4 or 5 Years
>60% 3.20% 1.00% 4 or 5 Years

 

This particular version of the facility will also have a margin ratchet mechanism - whereby the borrower can reduce the interest rate by 25bps once the overall position at the portfolio has improved and once achieving A, B or C at 90% of the property portfolio.

Once the ratchet is effective, the pricing will be at the same level as the standard Green Residential Investment Loan. 

  • The structure is for UK only borrowers
  • The product is available on a fixed rate basis, with terms of between 4 and 5 years
  • As the loans are fixed, ERCs apply if the facility is repaid early but 10% repayment allowance per annum is without charge
  • Interest only available

To apply for this loan, get in touch with one of our expert brokers now.