---
title: "Can You Refinance Out of a Portfolio Loan?"
description: "Yes, refinancing out of a portfolio loan is possible."
url: "https://mortgagelane.com/guides/property-portfolio-remortgage/can-you-refinance-out-of-a-portfolio-loan"
site: "Mortgage Lane"
collection: "guides"
date: "2026-03-30"
author: "Joseph Lane"
category: "Mortgage guide"
reviewed: "2026-09-11"
reading_time: "1 min"
byline: "Joseph Lane"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# Can You Refinance Out of a Portfolio Loan?

Yes, refinancing out of a portfolio loan is possible.

Yes, refinancing out of a portfolio loan is possible.

[Portfolio mortgage](https://mortgagelane.com/definitions?term=portfolio-mortgage)

Buy-to-let

Finance arranged for a landlord with several properties, either through separate mortgages or a facility covering multiple properties.

[Read the full definition of Portfolio mortgage](https://mortgagelane.com/definitions?term=portfolio-mortgage)

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[Property Portfolio Remortgage](https://mortgagelane.com/insights/property-portfolio-remortgage)

Related definitions

[Remortgage](https://mortgagelane.com/definitions#def-remortgage)

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[Mortgage](https://mortgagelane.com/definitions#def-mortgage)

## Can You Refinance Out of a Portfolio Loan?

Yes, refinancing out of a portfolio loan is possible. However, a more cost-effective option often is to perform a product switch, known as a Product Transfer (PT), with your current lender. A PT allows you to switch to a new mortgage product with the same lender, usually with lower costs and less paperwork than a full refinance. Opting for a PT can be particularly beneficial if the lender offers favorable terms, underscoring the importance of choosing a portfolio lender that provides flexible refinancing options, including product transfers. This strategy can keep your financial arrangements agile, adapting to your changing investment needs and market conditions.

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## Talk it through with an adviser

Speak to a Mortgage Lane adviser about your circumstances and the next steps.

Published: 2026-03-30

Last reviewed: 2026-09-11

Source: https://mortgagelane.com/guides/property-portfolio-remortgage/can-you-refinance-out-of-a-portfolio-loan