The situation
Individual property-by-property refinancing gets expensive and fragmented. Portfolio facilities from commercial lenders and private banks consolidate the debt, cross-collateralise sensibly, and often reduce blended cost.
How we approach it
We assess whether a portfolio facility genuinely beats individual mortgages — sometimes it does, sometimes it doesn't. Where it does, we route to specialist commercial lenders and private banks that facility mixed portfolios.
What that looks like in practice
- Whole-portfolio facilities from £2m up
- Cross-collateralised or property-by-property tranched
- Blended LTV typically 60-70% depending on mix
- Single covenant package — simpler ongoing management
- Private bank route for portfolios £10m+
Typical timeline
- Weeks 1-3Portfolio schedule, valuations, current lender review.
- Weeks 4-8Application to portfolio facility lenders.
- Weeks 8-16Simultaneous refinance, previous loans redeemed.
Common questions
Am I better off in a portfolio facility or individual loans?
Depends — portfolio simplifies but constrains. If you sell or refinance individual properties often, individual loans give more flexibility. We model both.
Can commercial and residential go in one facility?
Yes — specialist commercial lenders and private banks do this routinely. High-street banks generally don't.
What about covenants?
Portfolio facilities carry portfolio-level covenants (LTV, ICR, valuation) — worth understanding before signing.
Consolidate the whole book
Send the portfolio schedule — we'll assess whether a portfolio facility improves on your current loans.