Buy to Let Equity Release from Three Investment Properties

Many experienced landlords use the equity built up in existing properties to finance their next investment. The right refinancing strategy can unlock capital while keeping monthly borrowing costs under control.

In this case study, Positive Commercial Finance arranged Buy to Let Equity Release by refinancing three unencumbered rental properties, enabling our client to raise funds for future property projects.

The Opportunity

Our client was a professional landlord with a well-established property portfolio.

They wanted to expand further but needed additional capital to move ahead with new investment opportunities.

Rather than selling existing assets, they chose to refinance three mortgage-free Buy to Let properties with a combined value of approximately £700,000.

The Challenge

The objective was to release as much equity as possible while securing a competitive mortgage product.

The client wanted:

• A high Loan to Value (LTV).
• A low fixed interest rate.
• Affordable monthly repayments.
• A funding solution that supported future property acquisitions.

Finding the right balance between borrowing levels and long-term affordability was essential.

Our Solution

Positive Commercial Finance assessed the specialist Buy to Let mortgage market and approached lenders that offered competitive products for experienced landlords.

Thanks to the client’s strong track record, low overall portfolio gearing and excellent credit history, we secured several attractive refinancing options.

After comparing the available products, the client selected the mortgage that combined a competitive fixed rate with the level of borrowing needed to achieve their investment goals.

Deal Structure

• Loan to Value (LTV): 75%
• Loan Amount: £525,000
• Interest Rate: 1.99% fixed for 2 years
• Arrangement Fee: 2.5%

The Result

The refinance released £525,000 of equity from the client’s existing Buy to Let portfolio without requiring the sale of any properties.

The chosen mortgage also delivered monthly interest payments of approximately £829, helping to keep borrowing costs low while providing the capital needed for future investments.

This case study demonstrates how Buy to Let Equity Release can provide landlords with an efficient way to unlock capital and continue growing their property portfolio.