HTB completes £3.67m refinance and capital raise across 22 properties for portfolio landlord

• We refinanced and raised £3.67m for a portfolio landlord, consolidating 22 properties into a single loan.
• Streamlined complex transaction with a tailored solution, ensuring competitive funding without disruption.
• Handled diverse property types and personal ownerships, using a cross-collateral loan and pragmatic approach to keep the deal moving.

Working in partnership with Steve Williams at Redgate, we structured a tailored solution that streamlined a complex transaction, ensuring the borrower secured competitive funding without disruption.

Our borrower, a limited company landlord with a 76-property portfolio, needed a lender that could take on all 22 properties under one loan rather than dealing with multiple lenders and separate facilities. The portfolio included a mix of leasehold and freehold residential properties, covering HMOs, purpose-built flats, converted units, and terraced houses. Some properties were personally owned rather than held within the limited company, and two needed refurbishment due to damp and disrepair. To ensure a more streamlined process, they also required a single legal representative to act on behalf of both HTB and the borrower.

We structured a cross-collateral loan on an interest-only basis, fixing the rate for five years over a ten-year term. Rather than requiring ownership restructuring, we took a third-party charge on the personally owned properties. Pricing extensions were accommodated to support borrower delays, and we took a pragmatic view on requirements such as debentures and duty of care deeds to keep the deal moving.

Steve Williams, Director at Redgate, commented:

A portfolio refinance of this scale comes with complexities, but HTB took a measured and pragmatic approach throughout. They showed flexibility when it mattered, allowing retentions and pricing extensions to keep things moving, and remained focused on solutions rather than roadblocks. Greg’s involvement at a key stage ensured progress, and having a lender willing to take a commercial view on complex cases makes all the difference.

Aimee Amphlett, Regional Account Manager, added:

The broker wanted one lender, one solicitor, and a straightforward process—that’s exactly what we worked towards. There were multiple moving parts, but by staying flexible and working closely with Steve, we kept everything on track. Greg stepping in mid-case played a vital role, and his support in keeping things aligned was key to getting this over the line.

Andrea Glasgow, Sales Director, Specialist Mortgages and Bridging, said:

This deal reflects what HTB does best – taking a view on complexity and delivering a tailored solution that works for both broker and client. The challenges here were significant, but instead of slowing the process, we found practical ways to move forward. It’s that ability to be agile and accessible that makes the difference. Whether it’s a single asset or a multi-property portfolio, we’re always ready to have the conversation and find the right approach.

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