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Case Study 2

Buy To Let Portfolio

• Our assistance was sought in refinancing a 45 unit Buy To Let portfolio  which was currently financed by several different lenders. The client requested the portfolio be placed with one lender who would provide the maximum LTV at a highly competitive rate.  
• Finance (NI) made contact with a bank who specialised  in this sector. The bank promptly agreed a £3.2M facility (80% LTV) at a margin of Libor + 1.15% over a 15 year term. 
• The portfolio could be  re-valued annually and the  bank would consider further equity release of the enhanced value (up to 80% LTV).  
• The bank also offered an interest only payment option for the first three years.