The deal combines a two-year fixed rate deal with a bridging facility and is aimed at cases where a full refinance isn’t possible today but could become “available” once selected assets are sold.
HTB said repayments made on the term loan using sale proceeds can be made without incurring early repayment charges (ERCs).
The term loan is 4.99% with a 5% arrangement fee and minimum loan size of £3m, while the bridge is available at 0.7% per month with a 2% arrangement fee and a £1m minimum loan size.
Both deals must be used together and complete at the same time. The elements are “cross-collateralised, forming a single, structured funding solution”.
The bridge is capped at 50% of the total loans, with sale proceeds used to cut overall debt.
Welcome to the future: how collaboration is driving the shift to digital home buying
Sponsored by Halifax Intermediaries
Portfolios can include up to 20% of commercial assets, giving brokers additional flexibility when dealing with mixed-use holdings.
The lender said the product was created in response to “affordability pressures and regulatory shifts”.
Alex Upton, managing director for specialist mortgages and bridging finance at HTB, said: “Portfolio Edge is built for exactly what brokers are dealing with – affordability blocks, structural complexity and clients who need more than a standard refinance. It gives them flexibility and clarity in one solution, and we’ve priced it to give them a real edge in the market.
“Most importantly, it gives landlords breathing room to sell properties, reduce leverage, and refinance smoothly later, without early repayment charges biting when it matters.”
Andrea Glasgow, sales director for specialist mortgages and bridging finance at HTB, added: “We’ve been listening closely to what brokers are telling us – and this is exactly the kind of solution they’ve been asking for. It’s clear, it’s flexible, and it helps them get deals moving again where affordability has become a sticking point.
“The structure makes sense, and it gives brokers more options when traditional routes aren’t available. It’s already proving to be a valuable tool for brokers navigating complex landlord cases.”
