Case Study: Refinance of 14 Unit Residential Block at £2.25m | 75% LTV | No Arrangement Fee

Overview

Positive Commercial Finance successfully completed the refinance of a block of 14 residential flats, securing 75% Loan‑to‑Value (LTV) with no lender arrangement fee — a standout result in the current commercial mortgage market.

This case study highlights our ability to deliver high‑LTV investment property finance, negotiate cost‑efficient lending structures, and support portfolio growth for professional landlords.

The Property

• Asset Type: Block of 14 self‑contained residential flats
• Valuation: £2,250,000
• Income Profile: Fully let, strong rental performance

The client wanted a refinance that would release equity, improve cash flow, and reduce upfront costs, enabling them to move quickly on future investment opportunities.

Client Objectives

• Achieve maximum leverage on a multi‑unit residential block
• Avoid unnecessary lender fees
• Secure a competitive refinance with long‑term stability
• Work with a lender experienced in complex residential investment assets
• Complete the process smoothly and efficiently

The Challenge

High‑LTV lending on blocks of flats can be difficult to secure. Many lenders restrict leverage to 65–70% LTV due to:

• Multi‑unit exposure
• Rental stress testing
• Concentration risk
• Variability in tenant profiles

Achieving 75% LTV while also removing the arrangement fee required precise lender selection and a strong credit presentation.

Our Solution

Using our specialist market knowledge and lender relationships, we:

• Identified a lender with appetite for larger residential blocks
• Presented a detailed rental schedule and occupancy history
• Demonstrated the asset’s stability, demand, and long‑term performance
• Negotiated 75% LTV — above typical market appetite
• Secured NO lender arrangement fee, significantly reducing client costs
• Managed the full process end‑to‑end for a seamless completion

The Result

✔ Loan Amount: £1,687,500 (75% LTV)

✔ Lender Arrangement Fee: £0

✔ Competitive commercial mortgage terms

✔ Improved cash flow and reduced upfront costs

✔ Equity released for future acquisitions

The refinance strengthened the client’s liquidity position and supported their wider investment strategy.

Why This Matters

For property investors, achieving high LTV on a block of flats — without arrangement fees — delivers powerful benefits:

• More capital retained
• Lower transaction costs
• Stronger cash flow
• Faster portfolio expansion
• Better long‑term financial flexibility

This case demonstrates the value of working with a broker who understands lender appetite and can negotiate terms beyond standard market offerings.

Looking to Refinance Your Investment Property?

Whether you’re refinancing a block of flats, HMO, portfolio, or semi‑commercial asset, we can secure market‑leading terms tailored to your goals.

Please get in touch now on [email protected]