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Property Portfolio Finance

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Investors with multiple properties often hold their portfolios in a partnership, giving them the freedom to invest in both residential and commercial property and flexibility in terms of access to income and capital. When it comes to securing further finance – either to purchase further property or release equity to prove on an existing one – this can be done against the portfolio as a whole. However, a number of recent changes from the government have changed the way profits from a property business are calculated and taxed, reducing the flexibility landlords once had. Speaking to a broker about structuring your financing is now more important than ever.

What do you need to know about portfolio finance?

As a result of the changes to available tax relief, landlords will see the relief for finance costs on residential properties reduce to the basic rate of Income Tax, phased in gradually until 2020. So, if you own a property portfolio, you will likely experience increased challenges as a result of recent government changes to property taxes.

In 2016, investors saw the removal of the 10% wear and tear allowance for residential properties, as well as an extra 3% stamp duty land tax applicable to landlords who already own property for subsequent buy to let property purchases. Investors will now begin to feel the changes to the availability of tax relief for mortgage interest affecting rental profits.

How can Enness help with portfolio finance?

Regardless of changes impacting professional landlords, Enness has the contacts to be able to secure finance for even the most challenging of circumstances. We have a wealth of experience navigating this market, as well as relationships specialist property tax specialists who can guide you in structuring your portfolio in light of recent changes. To discuss your options in the wake of these government policy updates, give us a call and one of our expert brokers would be delighted to help.

Call us +44 (0) 203 758 9393 or submit your details and a broker will get in touch.

Enness Limited needs the contact information you provide to us to contact you about our products and services. You may unsubscribe from these communications at any time. For information on how to unsubscribe, as well as our privacy practices and commitment to protecting your privacy, please review our Privacy Policy.

Case Studies & Articles

  • Case Studies
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Remortgage to expand buy to let portfolio
28th March 2017
Remortgage to expand buy to let portfolio
Limited company property portfolio equity release
27th May 2017
Limited company property portfolio equity release
Commercial property finance for Kenyan beneficiaries
20th September 2017
Commercial property finance for Kenyan beneficiaries
Buy to let refinance for portfolio landlord
1st October 2017
Buy to let refinance for portfolio landlord
Property portfolio refinance for British expat
30th January 2018
Property portfolio refinance for British expat
Refinance of €9million Paris property portfolio
27th June 2018
Refinance of €9million Paris property portfolio
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London's Prime Property Market
20th June 2012
London’s Prime Property Market
Prime London Property Market Update
28th November 2012
Prime London Property Market Update
Bank Lending to Landlords
19th February 2013
Bank Lending to Landlords ‘Surging’ as Clients Expand Buy To Let Portfolio
What Are The Advantages Of Remortgaging A Property?
5th February 2016
What Are The Advantages Of Remortgaging A Property?
High net worth clients diversifying global portfolios post Brexit
24th October 2016
High net worth clients diversifying global portfolios post Brexit
Properties at risk of under-insurance
30th January 2017
Properties at risk of under-insurance

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Mortgages
  • Large Mortgages
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  • Specialist Finance
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Insights
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  • Blog
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  • Guides
  • Video Library
  • Webinars
  • Our Best Mortgage Products - February Edition
About Us
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  • Meet The Team
  • Contact
  • Covid-19 update

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Important Information

Enness Limited is directly authorised and regulated by the Financial Conduct Authority.
You can check our details on their public register through fca.org.uk using our firms’ reference number 565120. Registered address: 116 Baker Street, London, W1U 6TS. Registered in England and Wales under Company No. 07760090

Enness (Jersey) Limited is an unregulated company registered in Jersey with the company number 127668. Our registered address is Office 17, First Floor, International Finance Centre 5, The Esplanade, St Helier, Jersey, JE2 3BY.

Enness International SARL is registered in Monaco. It is authorised to conduct activities relating to strategy, business development and public relations with regards to projects in connection with the Enness Group. It does not give banking or financial advice and the information contained on this website is not an invitation to buy or sell securities.

Enness Mortgages LLC is incorporated in the International Free Zone Authority in the United Arab Emirates, under Licence number K54351DCS. It is a limited liability company authorised to carry out mortgage consultancy business within International Free Zone Authority in the United Arab Emirates. Registered address: Kidnah, Block A, Plot 4, Fujairah, UAE. 

Enness (Switzerland) GmbH, who’s registered office is located in Feusisberg Switzerland, is authorised to conduct activities in regards to marketing and business development with regards to projects in connection with Enness Group. It does not give banking or financial advice and the information contained on this website is not an invitation to buy or sell securities.

IF YOU ARE CONSIDERING SECURING OTHER DEBTS AGAIN YOUR MAIN HOME, SUCH AS FOR DEBT CONSOLIDATION PURPOSES, PLEASE THINK CAREFULLY ABOUT THIS AND CONSIDER ALL OTHER OPTIONS AVAILABLE TO YOU. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT.

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