The situation
You've built value over the years — rent has grown, values have grown — but the lenders you're with either won't top up, or won't lend against the whole picture. Meanwhile the next opportunity needs a 25% deposit in weeks.
How we approach it
We refinance the portfolio (or a subset) onto a specialist portfolio lender that stress-tests holistically, not property-by-property. Fixed rates locked in, capital released at completion, and headroom preserved for the next few deals.
What that looks like in practice
- Whole-portfolio underwriting rather than case-by-case
- Interest-only structures to keep rental cashflow strong
- 5-year fixes for ICR relief where stress rates are punishing
- Cross-charged or standalone security depending on lender appetite
- Ltd company and personal name portfolios both supported
Typical timeline
- Week 1-2Portfolio schedule reviewed, rents and values verified, lender shortlisted.
- Week 3-4AIP, valuations across the portfolio, legals instructed.
- Week 5-8Underwriting, offer, completion — capital released same day.
Common questions
Won't stamp duty or CGT be an issue?
Refinancing doesn't trigger either — you're not selling, just replacing the loans. Moving properties into a Ltd company does trigger both; we model that separately if that's the aim.
How much can I release?
Typically up to 75% LTV per property, subject to rent covering the lender's stress test. Actual capital release depends on existing balances and current values.
What if some properties are unmortgageable?
Common with older stock or short leases. Those get excluded from the refi, or funded on shorter-term commercial products while the rest of the portfolio moves cleanly.
Free up the equity that's already yours
Send your portfolio schedule — one page is fine — and we'll come back with a realistic refinance plan.