What a portfolio refinance unlocks.
Releasing equity
Unlock capital sitting across the portfolio to fund the next purchase or project.
Restructuring debt
Bring scattered mortgages under one facility, with terms that fit the plan rather than history.
Growing the portfolio
Structure the lending so the next acquisition is ready to move when the deal appears.
HMOs & multi-unit blocks
Refinance specialist assets alongside standard buy-to-lets, with lenders who understand them.
How it works
Four steps. No jargon, no waiting rooms.
Tell us what you need
A 30-second enquiry. No credit check to get started.
Terms inside 48 hours
We match your case across 90+ lenders and come back with real numbers.
Track it in your portal
Documents, your portfolio and progress - one place, no email chains.
Funded
We drive the paperwork through to completion. You do the deal.
A typical portfolio case
Questions, answered.
How many properties do I need for a portfolio refinance?
Lenders generally treat four or more mortgaged buy-to-lets as a portfolio, but we arrange refinances from three properties up to portfolios in the hundreds.
One facility or separate mortgages?
Both are workable. A single portfolio facility simplifies management; separate mortgages keep flexibility to sell individual properties. We'll model both against your plan.
Can I release equity without selling anything?
That's usually the point - refinancing against today's values and rents releases capital while keeping the assets and their income.
Do HMOs and multi-unit blocks complicate it?
They narrow the lender pool but we work with specialists who fund them daily - mixed portfolios with standard lets alongside HMOs are routine.
Talk to a human.
Two minutes to enquire, no credit check to get started. Or skip the form entirely - an adviser answers this number.
020 3861 3469Monday to Friday, 9am - 6pm · Whole-of-market