A seasoned portfolio landlord with 19 HMOs engaged us for assistance in capital raising to support further expansion of their property holdings. The landlord aimed to leverage their existing portfolio to finance new acquisitions.

The client was exceptionally cost-conscious, prioritising the minimisation of expenses throughout the refinancing process. This requirement presented a unique challenge in finding a financial solution that aligned with their stringent cost-efficiency demands without compromising on the quality or potential of the refinancing terms.

Through meticulous research and leveraging our extensive network of financial partners, we identified a lender that met all the client’s criteria. The lender offered a competitive interest rate of 5.99%, with particularly favourable terms that included:


• No product fee, reducing upfront costs significantly.
• Free property valuation, which further decreased the financial burden on the client.
• A generous £750 cashback per property, providing a substantial financial rebate that effectively covered all legal expenses involved in the refinancing process.


The tailored financial package enabled the client to raise capital at 75% Loan-to-Value (LTV) on their entire portfolio without incurring additional fees. The cashback incentive not only offset legal costs but also contributed additional capital, enhancing the client’s liquidity to pursue further property investments. This strategic approach not only satisfied the client’s cost-efficiency requirements but also positioned them for continued growth and success in the property market.

This case study highlights our capability to tailor financial solutions that align precisely with our client’s operational strategies and financial goals, ensuring optimal outcomes and client satisfaction.