Buy to Let Portfolio Refinance for 35 Investment Properties

Refinancing a large property portfolio requires more than simply finding a competitive interest rate. It also requires lenders that understand portfolio landlords, changing market conditions and long-term investment strategies.

In this case study, Positive Commercial Finance arranged a Buy to Let Portfolio Refinance for an experienced landlord with 35 investment properties, providing the certainty they needed before their existing finance expired.

The Opportunity

Our client owned a substantial portfolio of 35 Buy to Let properties and needed to refinance their existing borrowing before the current facility came to an end.

The objective was not only to secure a competitive mortgage but also to maintain a high level of borrowing to support future investment plans.

The Challenge

The client was concerned that uncertainty in the property market may have reduced the value of some properties since the original loans were arranged.

Because the existing borrowing already stood at around 75% loan to value, even modest valuation reductions could have limited their refinancing options.

The priority was therefore to secure a lender willing to offer up to 77% Loan to Value, providing additional flexibility and protecting the refinancing strategy.

Our Solution

Positive Commercial Finance researched the specialist portfolio mortgage market and spoke directly with a number of lenders.

We identified several lenders that were comfortable with the size of the portfolio and the client’s investment experience.

After presenting multiple funding options, we worked closely with both the chosen lender and the client throughout the application process.

This proactive approach helped keep the transaction on schedule and ensured the existing finance was repaid well before its expiry date.

Deal Structure

• Facility Type: Buy to Let Portfolio Mortgage
• Loan to Value (LTV): 77%
• Loan Amount: £2.9 million
• Interest Rate: 4.34%
• Arrangement Fee: 2%
• Term: 10 years (Interest Only)

The Result

The client successfully refinanced their 35-property portfolio on competitive terms while maintaining a high level of borrowing.

By securing the refinance before the existing facility expired, they avoided unnecessary pressure and retained the flexibility to continue managing and growing their property portfolio.

This case study demonstrates how Buy to Let Portfolio Refinance can help experienced landlords refinance large portfolios efficiently, even during periods of market uncertainty.