Portfolio Loan
Master facility for multi-property investors with shared offset features.
What is Portfolio Loan?
A portfolio loan is a facility designed for investors with multiple properties — bundling lending into a single master facility with sub-accounts, shared offset, and flexible drawdown. Often used by investors with 3+ properties.
Why it matters for you
Portfolio loans can simplify cash flow management, but they can also re-create cross-collateralisation if not structured carefully. Done well: each sub-account stands alone legally, shared offset benefits all. Done poorly: one problem triggers issues across the whole portfolio.