£11.65 million property portfolio refinance and stabilisation strategy implemented

The Challenge

An experienced property investor with more than 40 years’ experience in the student accommodation, HMO, commercial, semi-commercial, and multi-unit residential sectors required a long-term portfolio refinance and stabilisation strategy.

The borrower had successfully navigated a series of historic challenges over the years, including the coronavirus pandemic, disruption to the student rental market, commercial tenant failures, and significant interest rate increases. While all legacy issues had been resolved, the existing funding structure consisted of multiple facilities that lacked long-term certainty and created ongoing refinancing pressure.

Additional complexity surrounding the historical credit profile required careful lender positioning and a detailed explanation of past events.

Our Approach

We undertook a comprehensive review of the borrower, portfolio, income profile, and historic credit events, focusing on both the challenges encountered and the action required to overcome them. We worked closely with the client to develop a transparent and compelling lending narrative that addressed historic issues head-on, while demonstrating the borrower's resilience, experience, and strong track record.

Our team coordinated discussions between all stakeholders, proactively managing lender due diligence, addressing credit concerns, and navigating issues that might otherwise have prevented funding.

The Outcome

We successfully secured an £11.65 million portfolio refinance package, providing the borrower with increased funding certainty and a platform for continued development. The facility enabled the replacement of shorter-term and higher-cost borrowing arrangements, reduced refinancing risk, and aligned the funding structure with the borrower's long-term investment objectives.

The result was a funding solution that supported a seasoned property operator, preserved asset value, and provided a strong foundation for future portfolio performance and growth.