Client situation.
An experienced property investor with four diverse properties needed to consolidate existing loans from multiple lenders. The portfolio they were looking to refinance included a 1-bedroom flat, a 4-bedroom flat, a 2-bedroom semi-detached house, and a 5-bedroom terrace. With multiple lending arrangements becoming unwieldy, with different payment dates and varying terms, the client was looking to simplify their property loans to concentrate on other opportunities.
Our solution.
We structured a substantial £2.67 million facility secured against the four properties. As the borrower was in discussion with their existing lenders about exiting their loans, there was no pressure to complete urgently. In this situation, our systematic approach ensured the deal was ready to complete when they needed it. Ultimately, all existing loans were refinanced smoothly into a single, more manageable facility across the portfolio.
Result.
Our completion of this loan for a complex multi-property consolidation demonstrates our ability to handle sophisticated portfolio restructuring for experienced investors. As a result of our loan, the client gained simplified administration, clear terms, and better cash flow management across their entire portfolio. This case shows how the right consolidation can transform portfolio management and improve investment returns.
Portfolio consolidation? We specialise in bringing together complex property holdings under single facilities.