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Portfolio Refinance

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.

What Is Portfolio Refinance?

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

Who Portfolio Refinance Works For

Landlords & Portfolio Investors

  • Consolidate multiple BTL mortgages
  • Release equity for acquisitions or development
  • Improve cash flow with better rates and terms

SPV & LLP Holders

  • Tidy complex corporate lending structures
  • Centralise debt across multiple entities
  • Achieve pragmatic stress-tested valuations

Portfolio Finance Terms & Parameters

Portfolio Size

£250k — £25m+

LTV

up to 75%

Term

5+ years

Security

portfolio of properties

Structure

centralised facility

Exit

ongoing or re-finance

Unlock equity. Reduce costs. Simplify management.

Portfolio refinance consolidates debt, improves rates, and frees up capital for your next project.

Get Indicative Terms

Why BridgFunder London?

  • 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

Consolidate, simplify, and grow

Let's discuss how portfolio refinance can unlock equity, improve your cashflow, and set up your next phase of growth.

Get Indicative Terms