Turning Existing Property Equity into Future Opportunities

The Requirement:

Our client approached us to assist with the refinance of a buy-to-let property currently held in their personal name. The objective was to raise capital against the asset in order to support a transfer into a limited company and provide funds towards the acquisition of further investment properties.

About The Property:

The property was a straightforward buy-to-let investment in Lincolnshire, held by the client for the past 12 years . It was subject to an existing first charge of £37,381, with an estimated market value of £175,000 and rental income of £850 per calendar month.

How we helped:

We assessed the refinance against the property’s value, existing debt and rental profile, while keeping the structure focused on the client’s medium-term investment strategy. As the case was clean from a credit perspective and the asset itself was straightforward, we were able to focus on identifying a competitive buy-to-let refinance route suited to a capital raise and onward company ownership planning.

The Outcome:

We arranged a £115,000 buy-to-let refinance facility, enabling the client to release capital from the property. This supported both the proposed transfer into a limited company and the client’s wider plans to acquire additional investment properties.