Portfolio refinance

Make the portfolio work harder.

Restructure lending, release equity and consolidate mortgages across a property portfolio - arranged with lenders built for landlords.

83+

Lenders searched

69%

Typical max LTV

22h

To an adviser call-back

Talk it through with an adviser

Tell us about the property and we'll come back with options, usually within one working day.

Portfolio landlords of every size
Personal name, LTD and SPV structures
HMOs and multi-unit blocks included

Portfolio sizeFrom 3 properties, no ceiling

Loan to valueTypically up to 75%

StructuresPersonal, LTD and SPV

Facility size£250k - £50m+

Good for

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 two-minute 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.

Illustrative example

A typical portfolio case

Portfolio8 buy-to-lets

Portfolio value£2,400,000

Existing debt£1,100,000

New facility£1,680,000 (70% LTV)

Capital released£580,000

Illustrative example only - not an offer of finance or an indication of terms. Every case is assessed individually and terms depend on the properties, the rental cover and the lender.

Good to know

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 3469

Monday to Friday, 9am - 6pm · Whole-of-market