An experienced property investor with a portfolio of around 20 properties, comprising a mixture of commercial premises, HMOs and standard Buy-to-Let investments.
Although we had known each other professionally for many years and I had occasionally provided a second opinion on finance strategies, he had always worked with the same mortgage broker for over a decade. That adviser knew his portfolio well, held all of the paperwork and had built a trusted relationship over many years.
Like many landlords, he saw no reason to change.
Everything changed when the adviser unexpectedly passed away.
A refinance that had been started almost twelve months earlier had never completed, leaving the client unsure of where his applications stood and without anyone overseeing the portfolio.
When we met to review everything, we worked through a large file of correspondence from various lenders.
What we discovered was significant.
Ten properties had already reverted onto their lenders’ variable rates.
Some had been on variable rates for around six months, while others had been there for almost a year.
Across approximately £2 million of borrowing, the client was paying interest rates of around 9%, creating unnecessary monthly costs and reducing the profitability of the portfolio.
We carried out a full strategic review of the portfolio before recommending a refinance programme.
Rather than simply replacing individual mortgages, we looked at the wider picture and designed a finance strategy that would support the client’s future investment plans.
The refinance reduced borrowing costs from approximately 9% variable to around 5% fixed across the affected properties.
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Since then, we have continued to support the client with a range of specialist property finance solutions, including:
As property portfolios grow, financing becomes increasingly complex.
Many investors continue working with the adviser they have always known, which is understandable. However, portfolios evolve, lending criteria changes and investment objectives become more sophisticated over time.
Whether a landlord owns five properties or fifty, regular reviews can uncover opportunities to reduce costs, improve cash flow and position the portfolio for future growth.
Client details have been anonymised to protect confidentiality. Every client’s circumstances are unique, and outcomes will vary depending on individual circumstances and lender criteria.
At Investa Finance, we specialise in helping portfolio landlords, professional property investors and business owners secure finance for complex property transactions.
Whether you need to refinance an existing portfolio, fund your next acquisition, purchase at auction, finance commercial property or restructure your borrowing, we can help create a strategy tailored to your long-term objectives.
