Large Portfolio Refinance for British Resident at 75 Loan to Value
Featured Snippet: Articus Finance arranged a large portfolio refinance for British resident at 75 loan to value, consolidating 15+ London properties worth £30m into one competitive loan facility at 75% LTV with a private bank partner.
Introduction
Sourcing a large portfolio refinance for British resident at 75 loan to value requires careful structuring and lender negotiation. While mainstream lenders typically cap loans on high value portfolios at 65% LTV, this case involved achieving more favourable leverage while consolidating multi-ownership structures into one loan. Articus Finance leveraged its private bank relationships to deliver a bespoke refinancing package on a portfolio exceeding £30 million in underlying property value.
Client Background
Our client was a British national and resident, a high-net-worth investor with a London-centric buy-to-let portfolio spanning more than 15 properties. The properties were held across mixed ownership structures including personal name, limited company entities, and partnerships. The client sought a refinancing package that achieved the following:
- 75% LTV refinance reflecting a loan requirement of £22.5 million.
- Consolidation of multiple ownership structures and debts into a single facility.
- Release of equity to acquire an additional prime London property.
Despite significant rental income, the client’s earnings were almost exclusively property-derived, a factor that many mainstream lenders approach cautiously. Consequently, the client required Articus Finance’s expertise to secure competitive lending terms.
The Challenge
The complexities of this case included:
- High loan exposure – seeking £22.5m against a £30m portfolio.
- Ownership variation – a diverse blend of company, partnership, and personal holdings.
- High leverage request – 75% LTV exceeded the standard market ceiling of 65% for buy-to-let holdings.
- Income reliance – rental income only, with no supplementary UK earnings.
- Single lender requirement – the client wanted all debt restructured under one provider for efficiency.
These combined factors constrained conventional options, highlighting the necessity for private banking intervention with the aptitude to structure bespoke facilities.
Our Solution
Leveraging a long-standing relationship with a respected private bank, Articus Finance was able to elevate the typical lending ceiling to 75% LTV, while delivering structural consolidation across the diverse property ownership spread. Our solution included:
- Negotiating a 77% facility which exceeded market norms but suited the client’s requirements.
- Ensuring flexibility by consolidating multiple properties and varied legal entities into a single refinancing structure.
- Releasing equity that could be strategically redeployed towards new acquisitions in London’s prime market.
- Positioning the portfolio as a cohesive, income-generating asset that justified higher leverage against risk.
The transaction enabled the client to both refinance their existing obligations competitively and redeploy capital efficiently into expanding their portfolio.
Key Highlights
- Portfolio Value: £30 million.
- Refinanced to £22.5 million facility arranged at 75% LTV.
- Consolidation of 15+ London properties under one lending relationship.
- Equity released to support future acquisitions.
- Private bank solution secured through bespoke lender negotiation.
Why Articus Finance Delivered
Securing a large portfolio refinance for British resident at 75 loan to value required a brokerage partner with credibility and access to private banks capable of bespoke structuring. Articus Finance’s proven relationships allowed us to negotiate terms beyond standard market policy while presenting the portfolio in a way that aligned operating income with lender expectations. Our ability to manage complexity, integrate multiple property structures, and oversee consolidation positions us as a trusted partner in the high-value debt landscape.
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Final Thoughts
This case highlights how a large portfolio refinance for British resident at 75 loan to value can be achieved through strategic broking and private banking advocacy. Articus Finance demonstrated its ability to deliver where mainstream lenders restrain leverage, securing both efficiency and growth opportunities for high-net-worth property investors.