Looking to Build a Substantial Rental Portfolio or Secure a Unique Large Deal?
Large loan buy-to-let mortgages give both experienced and new landlords the ability to access higher lending amounts — whether to grow a rental portfolio in one go or to fund high-value property investments.
What Are Large Loan Buy-to-Let Mortgages?
A large loan buy-to-let mortgage is a specialist finance product designed for landlords seeking to borrow significant sums. While definitions vary, some lenders consider loans over £500,000 as “large”, while others set the threshold at £1 million or more.
This type of mortgage is ideal for landlords looking to:
- Buy multiple properties in a single transaction
- Acquire high-value assets such as HMOs, multi-unit blocks, or commercial properties
- Release equity from an existing portfolio to fund new purchases
- Consolidate borrowing under one streamlined mortgage
For professional investors, large loan products offer a practical way to unlock substantial capital and accelerate portfolio expansion.
Who Qualifies for Large Loan Buy-to-Let Mortgages?
While having experience in property management is a plus, it’s not always required. Many specialist lenders are open to working with first-time landlords, provided there is a clear strategy and financial stability.
Common criteria include:
- Applicants aged 21 or older
- Minimum deposit of 25%
- Rental income covering at least 125% of monthly mortgage payments at the lender’s stress-tested rate
- Good credit and evidence of affordability
Lenders will look at the overall property income and your personal financial situation before approving the application.
How Much Can You Borrow?
Borrowing limits typically extend up to £5 million, though some lenders may offer more based on your profile. Your maximum loan will depend on:
- Equity or deposit size
- Current property portfolio value
- Expected rental income
- Personal income and liabilities
- Overall credit profile and financial standing
Lenders usually limit loans to 75% of the property value (Loan-to-Value, or LTV) to manage risk.
What Is Top Slicing?
Top slicing allows landlords to borrow more by either:
- Using additional properties as collateral – Increasing available equity and unlocking higher borrowing.
- Utilising personal income – For example, if your property rental income doesn’t meet lending criteria, your disposable income from employment or self-employment can bridge the gap.
Top slicing is particularly useful for landlords in lower-yield areas or those with strong personal income, giving you access to more competitive lending terms and higher LTVs.
Interest Rates and Fees
Interest rates for large loan buy-to-let mortgages are typically higher than standard products due to increased lending risk. Expect rates to range between 5%–8% for loans above £1 million.
It’s essential to weigh these costs against your investment goals to ensure the returns justify the borrowing expense.
Applying for a Large Loan Buy-to-Let Mortgage
To apply, you'll need to demonstrate the strength and performance of your property portfolio. Typical documents include:
- A full property portfolio schedule with rental yields
- Mortgage statements for current properties
- Tenancy agreements and rent receipts
- Tax year overviews and income statements
- A business plan if purchasing an HMO or commercial property
Maximising Growth Through Large Buy-to-Let Loans
Whether you're scaling your portfolio, unlocking equity, or consolidating existing loans, a large loan buy-to-let mortgage can be a powerful tool for strategic growth.
Working with an experienced broker at Reliance Mortgages means you won’t have to chase lenders or worry about navigating complex paperwork on your own. We’ll compare the full market, find you the most suitable product, and handle the admin — giving you more time and peace of mind to focus on your investment strategy.
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