- Client Type: UK-based experienced residential portfolio landlord
- Property Value: Circa £11M (London residential portfolio)
- Loan Amount: Circa £4.5M
- Loan-to-Value (LTV): 40%
Client Needs & Objectives A UK landlord with an extensive London property portfolio sought to refinance one of their holdings, valued at around £11 million. The portfolio, held within a UK Limited Company, included approximately 45 residential properties with mortgages across multiple buy-to-let lenders. The client’s goal was to consolidate all facilities into a single mortgage while raising additional capital to buy out a business partner’s shares in the venture.
Challenges & Unique Circumstances Affordability was the client’s primary concern. Consolidating multiple mortgages and raising extra capital risked increasing monthly payments. Coordinating a refinance across 45 properties, each with different lenders, required a carefully structured solution to simplify management and maintain efficiency. The challenge was finding a competitive fixed-rate product that provided long-term security without raising ongoing costs.
Solution Provided by Enness Enness conducted a comprehensive market review and secured a circa £4.5M five-year fixed-rate facility. Despite raising additional capital, the client’s consolidated monthly payment was slightly lower than their previous combined mortgage outgoings. While the product included a higher arrangement fee, this was added to the loan and payable upon refinance or repayment at the end of the term. Spread across five years, the financing was highly competitive and cost-efficient.
Enness specialises in complex residential portfolio refinancing, helping experienced landlords consolidate multiple facilities efficiently. With access to over 500 UK and international lenders, we identify mortgage products that optimise both cost and flexibility, even when raising extra capital. Our expertise ensures streamlined structures, manageable repayments, and competitive terms. For portfolio landlords in London and across the UK, Enness delivers bespoke refinancing solutions aligned with both long-term strategy and immediate financial objectives.
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Property values can fall as well as rise, and you may not get back the amount originally invested. Property investments can be illiquid and may take time to sell. Where borrowing is used, your property may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it.
