Portfolio Refinance
£950k facility
£950k Portfolio Refinance — 48-Property BTL Portfolio
Residential Property Investors
Facility Size
£950k facility
Transaction Type
Portfolio Refinance
Client Type
Residential Property Investors
Sector
Property Finance
Structure
We carried out a full mortgage redemption audit and valuation review, then negotiated a complete...
Outcome
The portfolio was consolidated and repositioned onto consistent terms, the rolling facility gave the clients...
01
Client Situation
A husband-and-wife investor team held a 48-property residential portfolio across Greater London, financed through 11 separate mortgages at an average loan-to-value of around 58%. They wanted to simplify the debt, put the built-up equity to work on maintenance, and create the capacity to acquire further properties.
02
The Challenge
Eleven facilities across multiple lenders meant administrative complexity, inconsistent terms and no straightforward way to draw on equity for new purchases. They needed a single, coherent structure — and a facility they could draw against as opportunities arose.
03
Lender Considerations
A portfolio refinance of this scale requires lenders comfortable with aggregated exposure, a clear valuation and rental schedule across every property, and the appetite to provide a revolving acquisition facility alongside the term debt.
04
Structure Used
We carried out a full mortgage redemption audit and valuation review, then negotiated a complete refinance with three major institutions — including a £950,000 rolling 'cheque-book' facility for future purchases — at a rate of 3.5% over bank base rate.
05
Outcome
The portfolio was consolidated and repositioned onto consistent terms, the rolling facility gave the clients the flexibility to move quickly on new opportunities, and the improved terms generated around £67,000 in annual savings.
06
Key Lessons
Consolidating fragmented portfolio debt can cut cost and administration at the same time.
A rolling acquisition facility lets active investors move quickly without arranging fresh finance each time.
A full redemption and valuation audit is the foundation of a clean portfolio refinance.
Client details have been anonymised. Figures and rates describe a completed transaction at the time and are not indicative of current terms. All finance is subject to status, lender criteria and individual circumstances. Past outcomes do not guarantee future results.
Have a Similar Scenario?
If your finance scenario involves similar complexity, speak to CC Finance about how we can help.