£4M mixed residential & commercial portfolio refinance, Midlands
£4m · 70% LTV · 5-year fixed
In short
How was £4M mixed residential & commercial portfolio refinance, Midlands financed?
Clifton International arranged mixed residential & commercial portfolio refinance for this Midlands transaction — £4m, 70% LTV, 5-year fixed. We modelled the whole portfolio, structured a blended facility with a specialist commercial lender, and coordinated valuations across the estate to complete on a synchronised drawdown.
- Location: Midlands. Finance type: Mixed residential & commercial portfolio refinance.
- Headline terms: £4m · 70% LTV · 5-year fixed.
- A Midlands property investment group was carrying multiple legacy facilities across residential BTLs and commercial units, with mismatched terms, expensive rates and admin friction. They needed a single funding partner able to support future acquisitions.
- Blended cost of debt reduced materially, £600k of capital released for further acquisitions, and reporting streamlined into a single relationship.
- Loan amount
- £4,000,000
- LTV
- 70%
- Term
- 5-year fixed
- Assets
- Mixed residential + commercial
- Capital released
- £600,000
- Location
- Midlands
- Challenge
- A Midlands property investment group was carrying multiple legacy facilities across residential BTLs and commercial units, with mismatched terms, expensive rates and admin friction. They needed a single funding partner able to support future acquisitions.
- Solution
- We modelled the whole portfolio, structured a blended facility with a specialist commercial lender, and coordinated valuations across the estate to complete on a synchronised drawdown.
- Funding structure
- £4m portfolio refinance, 70% LTV, 5-year fixed, cross-collateralised across residential and commercial assets.
- Outcome
- Blended cost of debt reduced materially, £600k of capital released for further acquisitions, and reporting streamlined into a single relationship.
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