Acorn Portfolio Desk · PRA-Compliant Multi-Property Finance
Bespoke refinancing, capital release, and debt consolidation for professional landlords. Whole-portfolio stress testing that bypasses high-street PRA friction.
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The 4 Portfolio Strategy Quadrants
Refinance, release, comply, and retrofit — structured around your whole portfolio, not property-by-property.
Consolidating scattered single BTL mortgages across multiple lenders into a streamlined, lower-rate portfolio structure.
Unlocking unencumbered or low-LTV equity across existing rental units to fund new deposits or auction purchases.
Passing strict PRA rules for landlords with 4+ mortgaged BTL properties.
Multi-property funding packages to upgrade entire portfolios to EPC Band C prior to regulatory deadlines.
PRA Regulatory Rulebook Explained
The 4+ Mortgaged BTL Rule
As soon as you own 4 or more mortgaged residential BTL properties, high-street automated underwriting ceases. Every application is manually assessed against your entire background portfolio.
Acorn Advantage: We package your portfolio data into a standardised digital schedule accepted by 400+ specialist lenders, eliminating repetitive paperwork.
Interactive Health Check
Model aggregate LTV, equity, and interest coverage across your whole portfolio in real time.
🟢 PRA Compliant — High Refinance Borrowing Power
Submit Portfolio for ReviewIndicative illustration only. ICR modelled on gross annual rent against debt stressed at 5.5% interest-only. Actual lender stress rates, pay-rate tests, and criteria vary. Terms subject to full underwrite, valuation, and status.
Important Tax & Financial Advice Notice
Acorn Finance is a specialist credit broker authorised and regulated by the FCA, not a tax advisory firm or accountant. Consolidating portfolios, transferring assets from personal names into a Limited Company SPV, Section 24 mortgage interest relief, Capital Gains Tax (CGT), and Stamp Duty Land Tax (SDLT) portfolio relief carry complex tax implications. The information on this page is designed to highlight key structural considerations so you can lead an informed discussion with your qualified accountant or chartered tax specialist.
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Common Questions