Portfolio Finance
Professional investors and private landlords with more than one buy-to-let property require specialist funding to enable them to expand their property portfolio and ensure it is delivering the expected ROI.
Portfolio mortgages can simplify finances for landlords. With changes in tax laws and SDLT, landlords are always looking at methods to increase their investment income.
Using our panel of lenders we can finance various asset classes ranging from residential, hotels, and office blocks. Understanding the revenue model behind any portfolio is key and pivotal in securing the right deal.
Large Portfolio Refinance / Restructuring
Large Portfolio refinances are generally carried out to save money on the clients existing loan agreement or to replace an expiring loan agreement. A refinance can also be a good way to capital raise, subject to LTV, etc., for further expansion within the portfolio. A restructure can be done if stakeholders are being reshuffled or the ownership is changing completely, whether it is on or off-shore, Limited Co or LLP Read more.
Capital Raises
If a client has a suitably lowly-geared property portfolio a Capital Raise can be a good way for the client to access funds for onward business investment. The majority of Capital Raises are used for property investment, whether that be expanding the property investment portfolio or extracting funds for a property development project
Read more.
Multiple Asset Classes
Complex mortgages can be arranged to cover the vast majority of asset classes. These facilities can be arranged with one mortgage which covers the mixed asset classes or they can be broken up into separate ownership structures with a mortgage that covers each one. Which way these are arranged is generally guided by the client's current or future tax commitments Read more.
Complex Ownership Structures
Long Term Finance can be arranged for most ownership structures whether they are on or off-shore and there can often be large group chains that need to be assessed. Mortgages can be arranged for the vast majority of these and the LTV’s are similar to standard product ranges Read more.
Portfolio Finance Case Studies
Refinance and Capital Raise on 100 Properties
£17,000,000