Hi We have an IP bought using a STG Portfolio loan about 4 years ago. It hasn't performed as well as expected so we are thinking of selling and repurchasing in another location. One of the advertised "advantages" of a portfolio loan was you can do what you want up to your credit limit. However I'm thinking because the bank have the deeds to the IP, it won't be so easy to do this without them looking into our finances particularly when we repurchase. As our financial situation has changed (for the worst ie in terms of wage income) since we took out the portfolio loan many years ago, would this stop us repurchasing a new IP?