Multiple mortgages from different lenders, tied up equity, expensive debt structures. Portfolio refinance consolidates your lending, releases equity for growth, and simplifies management—all with sensible stress testing and clear portfolio-level packaging.
Unlock growth without complexity. One lender, better rates, and breathing room to expand.
Portfolio refinance consolidates multiple mortgages into a single facility. Instead of managing separate lenders, rates, and terms, a portfolio lender takes the entire book and structures optimised debt—often unlocking equity in the process.
It's ideal when:
✔️ You hold multiple properties with mortgages from different lenders
✔️ You've built equity but can't easily access it across your portfolio
✔️ Interest rates are high and consolidation could save significant money
✔️ You want to simplify management and plan future acquisitions
✔️ Consolidate multiple BTL mortgages
✔️ Release equity for acquisitions or development
✔️ Improve cash flow with better rates and terms
✔️ Tidy complex corporate lending structures
✔️ Centralise debt across multiple entities
✔️ Achieve pragmatic stress-tested valuations
PORTFOLIO SIZE
£250k — £25m+
SECURITY
portfolio of properties
LTV
up to 75%
STRUCTURE
centralised facility
TERM
5+ years
EXIT
ongoing or re-finance
Portfolio refinance consolidates debt, improves rates, and frees up capital for your next project.
✔️ Access to 300+ portfolio specialist lenders
✔️ Sensible stress-tested valuations at portfolio level
✔️ Support with SPV/LLP restructuring and consolidation
✔️ Clear analysis of equity release and cashflow impact
✔️ One lender, simple management, ongoing support
Let's discuss how portfolio refinance can unlock equity, improve your cashflow, and set up your next phase of growth.
