Commercial Mortgage Refinance for a Commercial Property Portfolio

Positive Commercial Finance specialises in arranging Commercial Mortgage Refinance for property investors across the UK. This case study shows how we helped an experienced commercial property investor refinance a portfolio of investment properties, securing a competitive long-term funding solution before their existing mortgage expired.

The Challenge

Our client is an experienced commercial property investor with a well-established portfolio of income-producing assets.

Their existing commercial mortgage was approaching the end of its term, so they wanted to refinance onto a more competitive facility before the current deal expired.

The portfolio consisted of four commercial investment properties, all occupied by strong commercial tenants on long-term leases. This provided stable rental income and made the portfolio an attractive proposition for lenders.

The client wanted to:

• Refinance the existing portfolio before the current facility expired
• Secure a competitive long-term commercial mortgage
• Maximise borrowing while keeping finance costs low
• Work with a broker who could negotiate the best available terms

Our Solution

Following an initial discussion, Positive Commercial Finance took the time to understand both the portfolio and the client’s long-term investment strategy.

We prepared a strong funding proposal that clearly demonstrated the quality of the assets, the strength of the tenants and the stability of the rental income.

Using our network of specialist commercial mortgage lenders, we negotiated on the client’s behalf to secure a highly competitive refinancing package with flexible long-term terms.

The new facility allowed the client to refinance their portfolio on improved terms while providing certainty over future funding costs.

Deal Structure

• Loan to Value (LTV): 60%
• Interest Rate: 3.2% over Libor*
• Arrangement Fee: 1% (added to the loan)
• Term: 5-year committed commercial mortgage facility
• Amortisation: 100 years

*Interest pricing reflected the market at the time the facility completed.

The Outcome

The client successfully refinanced their commercial property portfolio before their existing facility expired, securing a competitive long-term mortgage that aligned with their investment objectives.

By presenting the portfolio to the right lenders and negotiating on the client’s behalf, Positive Commercial Finance delivered a funding solution that reduced refinancing risk and provided greater certainty for the years ahead.

This case study demonstrates how Commercial Mortgage Refinance can help experienced property investors secure better terms, improve cash flow and support the long-term growth of their commercial property portfolios.