Case Study: £2.5m Refinance of North West Industrial Estate with no lender fee

Client Objective

A long‑standing property investor approached us to assess whether the renewal terms offered by their incumbent bank remained competitive. With interest rates fluctuating and lender appetite shifting, the client wanted independent confirmation that they were securing the best possible deal in the market.

Our Approach

We undertook a full market review, engaging with a wide panel of active commercial lenders. The focus was on identifying competitive pricing, minimising upfront costs, and ensuring the refinance aligned with the client’s long‑term investment strategy for the industrial estate.

Outcome

Our process delivered a materially improved funding package:

• Pricing secured: Base rate +1.90%
• Fees: No lender arrangement fee
• Loan size: £2.5 million
• Asset: Multi‑unit industrial estate located in the North West

The improved terms enabled the client to refinance efficiently, reduce overall borrowing costs, and strengthen the long‑term viability of the asset.

Impact

By challenging the incumbent lender’s renewal terms and leveraging our market reach, the client achieved a more competitive facility without unnecessary fees. The refinance enhanced cash flow and provided certainty in a shifting interest rate environment