How to get more from your portfolio?

Published 9 December 2019 · Updated 7 April 2023 · 1 min read

At the beginning of 2017, the average buy-to-let 5-year fixed rate mortgage was 3.77%, according to the Buy-to-Let Mortgage Index from Mortgages for Business – which is more than 0.25% more expensive than the average cost of a 5-year fixed rate today.

This means there are many landlords, of whom you may be one, who are currently paying a more expensive rate for their mortgage than they would be able to achieve today, but who are also tied into a 5-year fixed rate, with the prospect of having to pay Early Repayment Charges (ERC) in order to benefit from the current low rate environment.

So, is it worth paying the ERCs?

Unfortunately, there is no simple answer to this question as every situation will be different, depending on the existing rate, the size of the loan, the level of any ERCs and the new rates that are available.

Fortunately, there is an easy way for landlords to find the answer for their own circumstances, with technology platforms like Lendlord that takes the strain of managing a portfolio, search the market for you based on your portfolio details and your own profile and alerts when opportunity is found.

Check out the full article here: Tech tips to get more from your portfolio

Please Rate Us

About Lendlord

Lendlord is a UK PropTech platform that helps property investors source, analyse, fund, and manage property deals in one place. As a direct bridging lender, it provides bridging loans from £30k to £3M at rates from 0.75% pm, with completions from 5 days and no broker fees.

The platform serves investors across the UK, US, and Canada, with tools including AI sourcing, BTL/BRRR/flip analysers, tenancy agreement generation, portfolio management, and Making Tax Digital compliance.

Lendlord is MTD-ready software for UK landlords and is approved by HMRC.

Commercial Property Awards 2026 Finalist
Property Reporter Awards 2022 Winner
Property Week Tech Innovation Awards 2026 Finalist

This page is informational and does not constitute financial, tax, or legal advice. Rates, rules, and thresholds change, so confirm figures with a qualified professional and official sources before you act. Your property may be repossessed if you do not keep up repayments. Rates and terms are indicative and subject to individual assessment.

← Back to Blog

Ready to take control of your portfolio?

Join thousands of landlords using Lendlord to manage, finance and grow their property portfolios - free to get started.