Problem
Our client — an established client with a complex portfolio — owned a commercial property in Central London, occupied by their own group of businesses.
- Coming to the end of an expensive historic facility — needed to refinance quickly
- The challenge: the formal trading accounts alone did not reflect the client's wider position, and most lenders wouldn't get comfortable with the trading performance alone
- This wasn't just about sourcing a cheaper rate — it was about finding a lender that could see the bigger picture
Solution
- Identified a commercial bank experienced in working with high-net-worth clients
- Presented a detailed case that went beyond the formal accounts — highlighting management accounts and the client's broader wealth position
- Worked directly with underwriters to build confidence around long-term sustainability
- Positioned the deal around owner-occupancy and future stability
This deal required a tailored approach — balancing risk, reputation, and relationship.
Outcome
- Refinance completed with a major commercial bank
- Substantial reduction in interest costs, improving monthly cash flow
- Property retained under ownership with long-term flexibility secured
Key Lesson
When penalty deadlines loom, lender relationships and prepared paperwork decide the outcome. The earlier a refinance under pressure starts, the more options stay open.
Explore this type of finance
More case studies
Development finance exit: pressure into profit · Using a bridge to avoid loss of funds · £19m London portfolio refinance