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The Client: An experienced portfolio buy to let landlord and property developer. He had a portfolio of nine buy to lets owned in his SPV limited company.

The Properties: Our client had built a multi-unit property consisting of ten one and two-bedroom flats in a city centre. All the apartments were finished to a high specification and benefitted from excellent transport links and local amenities.

The Finance: Primarily, our client wished to refinance in order to pay off the development loan that was racking up interest. Having just completed the development, all ten properties were on one freehold title. However, our client wished to separate four of the flats into separate freehold titles to capital raise (for future buy to let investments) and purchase them into his SPV limited company. He, therefore, required four buy to let mortgages at just 58% LTV.

The Challenge: Keen to repay his existing development loan, time was a key priority for this case, and we would need to consider which lenders would be able to complete the deal promptly.

While our client wanted to capital raise to purchase further investment property, he didn’t yet have a purchase lined up. Therefore, we’d need a buy to let lender that didn’t require proof of onward purchase to facilitate the capital raise. This would significantly reduce the number of lenders available to us.

Lastly, the SPV limited company our client wished to purchase the four flats into was a subsidiary of the trading company that owned the existing development. Our choice of available buy to let lenders would be further restricted as only a handful are happy to underwrite for subsidiary limited companies.

The Solution: Using our extensive knowledge of the specialist buy to let lender market, we quickly shortlisted the lenders with criteria that would accept our case. We then identified those with competitive rates and approached them with the case. With direct access to business development managers and underwriters, we were able to talk through the intricate details of the deal to ascertain whether it would be something they would be comfortable with and the time frame they’d complete the deal in.

After these conversations, we were able to settle on one particular lender that ticked all the boxes our client was after and proceeded with the application.

Broker: Narinder Gill – 07496 308358 –

Whether you’re an experienced Buy-to-Let investor or a professional landlord with a large property portfolio, you’ll want to ensure your property finance is constructed as efficiently and cost-effectively as possible. Chat to us today or call 0207 220 5100.

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