Problem
We recently worked with a large-scale portfolio landlord who owned over 130 properties and wanted to simplify their finance structure while releasing capital for new opportunities.
- Multiple mortgage lenders with mixed terms, rates, and end dates
- Incredibly time-consuming to be almost constantly refinancing different loans
- Extremely challenging for the client to manage effectively
- Needed a strategic approach — not just a quick-fix refinance
Solution
- Arranged a bespoke portfolio refinance with a high-street bank, securing better pricing and stronger credit backing tailored for large-scale property investors
- Structured a 12-month plan to refinance in stages, working around existing loan end dates
- Managed cash flow for valuation and legal costs, avoiding unnecessary strain
- Coordinated over 130 physical valuations — no small task
Outcome
- Unlocked over £2 million in capital, which the client has already reinvested into new development projects
- Finance structure is now simpler, more cost-effective, and built for long-term growth
- Client now has the flexibility to keep scaling their portfolio
Key Lesson
At this scale, the finance structure itself becomes a management burden. Consolidation isn't just about rate — it's about sanity. Phasing the refinance over 12 months to work around existing loan end dates avoided early repayment charges while still achieving the goal. The £2M+ capital unlock immediately went to work in new developments.
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Whole-portfolio incorporation · £19m London portfolio refinance · International portfolio refinance