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🤝 Whole of Market FCA Regulated Mortgage and Specialist Finance Brokers

30/10/2026

Yesterday’s Budget confirmed a further rise in tax on rental income from April 2027.New rates will be 24%, 44% and 49%.

Capital Gains Tax and Stamp Duty stayed the same.Swipe through for the key points and what it means in practice for landlords.

29/10/2026

Need to raise funds against land you’re living on, but most lenders won’t touch it?

Here’s how a recent regulated land bridge worked.

The client was residing in temporary accommodation on a plot of land valued at £650,000. They needed to release capital to fund the planning process so they could eventually build two houses.
Because the client lived on the land, the facility was regulated. The problem? The majority of regulated bridging lenders simply don’t lend on land. Options were extremely limited and the underwriting was detailed.

We used our lender relationships to navigate the underwriting requirements and also introduced a suitable solicitor through our professional network. The result was a retained-interest regulated land bridge of £180,000 at 28% LTV.

This has allowed the client to unlock value from previously unencumbered land, progress the planning application, and move the project forward once consent is secured.

Useful takeaway:
If you own land and need short-term capital for planning or early development work, especially when the lending is regulated, the right relationships and structure make a real difference.

Happy to talk through whether something similar could work for your project.

(Broker for this case was Hadley)

22/10/2026

Need short-term funds to finish building your new home, without selling the one you already own?

Here’s how a recent regulated bridging case solved exactly that.
The client owned their current home outright and was part-way through building a new property. They needed funds quickly to complete the remaining works. Selling wasn’t an option, and a long-term mortgage didn’t fit the timing.

Because the loan was regulated, lender choice was more limited. The client also wanted the lowest possible cost. We sourced the most competitive regulated facility available at 0.54% per month (retained interest) against a £750,000 property (£328,931 loan at 44% LTV). To save both time and fees, we negotiated a desktop valuation instead of a full physical one.

The deal completed in four weeks.
What this now allows:
The new home can be finished. Once the client moves in, the plan is to refinance the bridge onto a let-to-buy mortgage and keep the original property as a long-term rental investment.

Useful takeaway:
If you own a property free of any mortgage and need short-term capital for a self-build or new home, a regulated bridge can be a clean, flexible solution, provided the rate, speed and fees are properly negotiated.

We are happy to talk through whether this approach could work for you.

(Broker for this case was Hadley)

14/10/2026

Fixed or variable buy-to-let rates, which works better?

Fixed rates lock your payment for a set period anywhere between 1 to 10 years., giving certainty even if the base rate moves.

Variable/tracker rates (linked to the Bank Rate + a margin) can start lower and offer more flexibility, but your payments can rise or fall.

The key questions:
Do you need predictable cashflow?
Or can you handle rate changes for potential lower costs and easier exit?

13/10/2026

What changes when you reach four mortgaged buy-to-let properties?

Lenders assess the next deal alongside your wider portfolio: rental coverage, overall borrowing, ownership structure and your track record.

Before your next purchase or refinance:

• Keep an up-to-date property schedule covering mortgage balances, rental income and property values.
• Check rental coverage against the lender’s stress-testing requirements for the proposed borrowing and wider portfolio.
• Review whether personal ownership or a limited company (SPV) suits your plans, with appropriate tax advice.
• Check early repayment charges and available product-transfer options before approaching the market.

The application needs to explain both the proposed deal and the wider portfolio supporting it.

In one case, Portway Finance refinanced six completed residential units from development finance into a £3.075m buy-to-let facility, fixed for five years at a competitive rate at the time.

Foreign national ownership, complex ownership structures and newly created leases required careful lender assessment. We presented the portfolio’s strengths and long-term rental strategy, helping the client retain the properties for rental income.

Our attached portfolio landlord guide explains the assessment process, ownership considerations and practical decisions as your portfolio grows.

When preparing a portfolio refinance, which presents the greater challenge: rental coverage or ownership structure?

Information contained in our case studies is for marketing and illustrative purposes only. Rates and products displayed may no longer be available.

For more guides, visit Portway Finance website.

09/10/2026

Worried rates will rise before you remortgage?

We helped a client secure a competitive fixed rate on their residential remortgage, in advance of the market moving.

They wanted certainty and speed. We acted quickly, locked in a strong rate early, and gave them peace of mind before rates climbed further.

If you’re thinking about remortgaging and want to protect yourself against rising rates, the best time to act is before the market moves.

(Broker for this case was Lauren Wilson )

29/09/2026

We’ve given Portway Finance a fresh new look ✨

Our new website is designed to make everything clearer and easier, whether you’re buying your first property or growing your portfolio.

Explore the free tools and resources we’ve added to the new website:

• Mortgage Calculator
• Stamp Duty Calculator
• FAQs
• Video Library
• Guides

These are just a few of the new features, there’s plenty more to discover on the site.
Everything is completely free to use.

And if you’d like tailored advice, we’re happy to offer a free, no-obligation consultation.

Thank you for continuing to support us, we’re growing with you.

25/09/2026

Still stuck on your lender’s expensive SVR after your fixed rate ends?

We just refinanced a Balham buy-to-let (£1.5m property, £370,952 loan) for a client in exactly this position.

They needed a competitive rate, minimal upfront costs, and no long-term lock-in.

We secured a 2-year fixed with free valuation and free lender legals, delivering a market-leading rate and predictable monthly payments without the usual fees.

If your buy-to-let is coming off a fixed rate or sitting on a high SVR, we can help you refinance efficiently and keep more of your rental income.

(Broker for this case was Hadley)

24/09/2026

Personal name or limited company?

How you own a buy-to-let property can affect how tax-efficient it is, and it's a decision worth making before you buy, not after.

Restructuring later is possible, but it's rarely as straightforward as getting it right from the start.

It only takes a five-minute conversation with our team to know which route fits your situation.

Not tax advice, we always recommend pairing this chat with advice from a qualified accountant.

18/09/2026

Wonderful day out with some of our fantastic clients and partners at the BMW PGA Championship at Wentworth.

It was a pleasure spending the day with you!

Address

China Works, Black Prince Road
London
SE17SJ

Telephone

+442045379791

Website

http://www.portway-finance.co.uk/

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