🏢 Case Study: Large London Portolio Refinance and Diversification
🚧 Key Financial Challenge:
Problem
📌 Client Profile:
The client had benefitted from historically low interest rates but was unable to unlock the significant equity gains accumulated over time. With a portfolio now at less than 50% LTV, he sought a solution that would provide liquidity for expansion without losing financial efficiency. The client was now at less than 50% LTV across the portfolio – with ambitions of expanding.
Solution
✅ We engaged with a London-based private bank with expertise in high-value portfolio refinancing. By structuring a bespoke solution, we consolidated the client’s entire portfolio into a single financing facility, unlocking a £6M capital raise while preserving financial flexibility. 💰 Strategic Financial Gains:
- Secured a £19M single-loan facility, consolidating all existing mortgages and unlocking £6M in capital • Structured the capital raise within an investment portfolio, offering potential returns while maintaining liquidity • Provided access to a Lombard lending facility, allowing the client to use investment-backed financing for future projects
Outcome
- Simplified portfolio financing with a £19M structured loan at an ultra-low 2.1% annual rate • Created a £6M investment portfolio projected to yield 6.5% annually, nearly offsetting mortgage interest costs • Enhanced cash flow and portfolio diversification, ensuring sustainable long-term growth
💰 📢 If you’re a property investor looking to optimize your portfolio financing, unlock capital, or enhance cash flow through strategic financial planning, we can help. Contact us today to explore bespoke solutions that align with your investment ambitions. The client has diversified his overall portfolio, created a cash facility, and dramatically improved cashflow.
