£11m PORTFOLIO REFINANCE: Creating Room for Further Growth

The situation

An established family business had built a substantial investment property portfolio worth more than £20m, with a significant proportion focused on the student property sector.



The business wasn't looking to stand still. The objective was to continue growing the portfolio and increase rental income, but the existing banking arrangements were beginning to restrict that ambition.

The Challenge

The existing facilities were structured on a capital-and-interest basis, with a significant proportion of the borrowing on variable rates.

The clients wanted an independent review of the market and a funding structure that could support further acquisitions.

Finding a way forward

We reviewed the portfolio and approached lenders with an understanding of both the existing position and the clients' future plans.



Using our specialist lender relationships, we secured a tailored commercial lending solution allowing borrowing of up to 75% of the portfolio's investment value. The new structure also provided five years of fixed, interest-only repayments.

The outcome

The refinance reduced monthly mortgage payments and released additional funds that could potentially support up to £10m of further property acquisitions.



The refinance wasn't simply about replacing existing debt. It was about creating the capacity to move forward.