Portfolio Funding
Looking for creative ways to fund, or refinance a portfolio? Our team of experts will guide you through every step of the process and help find a tailored solution.
Portfolio Funding
Portfolio Funding Built for Scalable Property Investment
As your property portfolio grows, so do the complexities around finance. Portfolio funding is designed for investors who own multiple properties and need a smarter, more strategic approach to borrowing.
Omni Funding was created by property investors who understand the challenges of scaling portfolios, managing lender exposure, and maintaining cash flow. Our portfolio funding solutions are built to help you consolidate, refinance, and expand with confidence—using lenders who actively support professional landlords.
What Is Portfolio Funding?
Portfolio funding allows landlords with multiple properties to finance several assets under a single lending strategy rather than treating each property in isolation. Lenders assess the strength of the entire portfolio, including rental income, asset values, and long-term sustainability.
Through Omni Funding, portfolio finance can be used to:
- Refinance multiple properties
- Release equity across a portfolio
- Simplify lender relationships
- Improve cash flow and long-term affordability
- Support ongoing portfolio growth
We help you structure funding in a way that aligns with both lender expectations and your investment strategy.
Strategic Funding for Professional Landlords
Portfolio lending isn’t just about securing finance—it’s about structuring it correctly. Poorly structured portfolios can limit growth, increase stress testing pressure, and reduce future borrowing capacity.
Because Omni Funding is run by active investors, we understand how to position portfolios for lender confidence. We’ll help you:
- Balance loan-to-value across properties
- Prepare portfolio schedules lenders want to see
- Navigate complex stress testing models
- Manage exposure limits with individual lenders
- Plan funding with future acquisitions in mind
This strategic approach ensures your portfolio remains flexible, scalable, and financeable.
Portfolio Funding FAQ's
What is classed as a property portfolio?
Most lenders define a portfolio landlord as someone owning four or more mortgaged rental properties, although criteria can vary.
Can I refinance multiple properties at once?
Yes. Portfolio funding can allow you to refinance several properties together, often simplifying administration and improving borrowing efficiency.
Is portfolio funding available for limited companies?
Yes. Many portfolio lenders actively support limited company structures, particularly for professional landlords.
How do lenders assess portfolio affordability?
Lenders review the entire portfolio, including rental income, property values, outstanding debt, and overall cash flow to ensure long-term sustainability.
Can I release equity from my portfolio?
Yes. Equity release is a common reason for portfolio refinancing and can be used to fund new acquisitions or improvements.
Portfolio Funding Backed by Real-World Experience
Portfolio lenders look beyond individual properties. They assess the investor, the structure, and
Other Services
Commercial Mortgages
Are you investing in Commercial Property? Or taking on your own business premises? Look no further.
Development Finance
If you are building from the ground up or taking on a large scale conversion, we can help arrange funding. We support clients from acquisition to completion, structuring finance around build stages, cash flow and exit strategy.
Services
Locations
Contact Us
- 0131 322 6632
- info@omnifunding.co.uk
- 6 Dryden Road, EH20 Business Centre, EH20 9LZ
OMNI Funding is a trading name of Omni FS Ltd, and is an appointed representative of Greig Oliver which is authorised and regulated by the Financial Conduct Authority for credit broking and mortgage advice (FCA 760195).
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
We are a credit broker, not a lender. We source finance from the whole of the market. We conduct both regulated and unregulated business, and therefore, not all products provided through us are regulated by the Financial Conduct Authority.
Typically, we receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.
Omni FS Ltd registered in Scotland SC852527. FRN: 1042253. Registered office: 6 Dryden Road, EH20 Business Centre, Loanhead, Midlothian, EH20 9LZ.
ICO registration number is ZC074405
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