Deal Overview

• Loan Amount: £950,000

• Facility Structure: Interest-only mortgage, 5-year fixed term

• Asset Type: Three-unit residential investment block in South East England

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Client Objective

The client, a professional landlord with a growing portfolio, sought funding to refinance an unencumbered block of self-contained flats. The goal was to release equity for future acquisitions while locking in a competitive fixed rate.

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Strategic Lending Partnership

We introduced a lender with appetite for unregulated buy-to-let transactions involving experienced landlords. The facility was structured on an interest-only basis with a 5-year fixed rate, allowing the client to maximise cash flow and leverage.

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Efficiency & Impact

The refinance enabled the client to extract capital efficiently, maintain strong rental yield margins, and position themselves for their next acquisition. The lender’s streamlined underwriting process and flexible approach to portfolio income were key to success.

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Collaborative Execution

We worked closely with the lender’s underwriting team, the client’s accountant, and legal advisors to ensure smooth valuation, documentation, and drawdown. The facility completed within 18 working days, ahead of the client’s acquisition timeline.