One Mortgage. Multiple Properties. Greater Investment Potential.

Looking to finance multiple properties under a single mortgage arrangement? A blanket mortgage may provide an opportunity for eligible property investors, landlords and property companies to finance multiple properties through a single lending facility, subject to lender criteria and the proposed security structure.

At **DCANS Mortgage UK**, we help property investors explore direct mortgage financing options designed to support portfolio acquisition, expansion and refinancing objectives.

Whether you're building a rental portfolio, acquiring multiple investment properties or restructuring existing property finance, understanding your blanket mortgage options could help you plan your next move. 

FINANCE MULTIPLE PROPERTIES WITH ONE STRATEGY

Managing several properties can involve multiple mortgages, repayment schedules, lenders and administrative responsibilities. A blanket mortgage may offer an alternative approach by securing one loan against multiple properties under a single mortgage arrangement.

Depending on the lender and agreement, the facility may include provisions allowing individual properties to be released from the security when specified conditions are met. **One portfolio. A coordinated financing strategy. More opportunities to grow.**

WHY CONSIDER BLANKET MORTGAGES ?

1 Finance Multiple Properties

Explore financing for eligible property portfolios through a single lending arrangement rather than separate mortgages for every property. 

2 Expand Your Property Portfolio

 Consider financing structures that may support the acquisition of multiple investment properties, subject to affordability and lending requirements.

3 Refinance Existing Property Holdings

Explore whether eligible properties currently financed through separate arrangements could be refinanced under a consolidated facility.

4 Simplify Portfolio Management

A single lending facility may help streamline certain administrative tasks and repayment arrangements compared with managing multiple independent mortgages.

5 Support Strategic Property Investment

Explore financing options aligned with your acquisition plans, rental strategy and long-term property investment objectives.

WHO COULD BENEFIT ?

Direct Blanket Mortgage solutions may be suitable for:

1 Experienced landlords

2 Portfolio property investors

3 Property investment companies

4 Limited companies holding multiple properties

5 Investors acquiring several properties in one transaction

6 Landlords considering portfolio refinancing

7 Property businesses seeking structured investment finance

WHAT TYPES OF PROPERTIES COULD BE INCLUDED ?

Subject to lender criteria and the proposed facility, a blanket mortgage may cover eligible properties such as:

1 Residential rental properties

2 Buy-to-let houses and flats

3 Multiple investment properties

4 Selected mixed-use properties

5 Eligible commercial properties

6 Properties being acquired as part of a portfolio transaction.

The types of properties permitted will depend on the lender, property locations, valuations, rental income and security requirements. 

HOW DOES A BLANKET MORTGAGE WORK ?

A typical blanket mortgage arrangement may involve:

1 Portfolio Assessment

Identify the properties to be acquired or refinanced.

2 Financial Assessment

Review your income, assets, liabilities and investment objectives.

3 Property Valuation

Assess the value and suitability of each property proposed as security.

4 Facility Structuring

Determine the potential loan amount, repayment terms and security arrangements.

5 Legal & Lending Checks

Complete the required due diligence, documentation and legal work.

6 Completion

Finalise the mortgage facility once all applicable conditions have been satisfied.

The structure and sequence will depend on the transaction and lender requirements.

WHY CHOOSE DCANS MORTGAGE GHANA ?

1 Direct Mortgage Providers

Explore property finance through a direct-provider approach focused on your financing requirements. 

2 Portfolio-Focused Solutions

Discuss financing requirements involving multiple properties rather than treating every acquisition as an isolated transaction.

3 Commercially Focused Assessment

Consider property values, rental income, borrowing requirements and investment objectives as part of the overall financing proposition.

4 Clear & Transparent Process

Understand the proposed mortgage structure, fees, repayment obligations, security arrangements and potential risks before proceeding.

Build Your Property Portfolio With a Clearer Financing Strategy

Blanket mortgages can offer potential advantages, but they are not suitable for every investor. Because multiple properties may secure the same debt, a default could put several properties at risk.

You should also understand any cross-collateralisation provisions, individual property release conditions, refinancing restrictions, fees and early repayment charges. The right financing structure should reflect your portfolio, investment strategy and ability to meet the borrowing commitments.

-

All applications are subject to eligibility, affordability, property valuations, due diligence and lender criteria.

A blanket mortgage may secure multiple properties against the same debt, and default may result in the loss of secured properties. Availability, terms and permitted property types vary.

Customers should obtain appropriate independent legal, tax and financial advice before proceeding.