This refers to property ownership for anything other than self-occupation. This enables you to build a comprehensive property portfolio to, for example, save for retirement or provide ongoing income for your family. Typically, finance is available up to 80% of the property value with interest-only options available, and lenders tend to look for a minimum 125% coverage of the repayments by rent at a stressed base rate of 3.5%.

Owners of property portfolios may release equity in some or all of their properties to raise capital for any purpose. It is a type of specialist secured term finance which enables owners to leverage the power of their portfolio by combining multiple properties into one investment.