Case Study
Adam Fulcher structured a £6.395m refinance to consolidate the client’s 31-property portfolio into a single interest-only facility at 75% LTV, priced at 5.79%. Previously, the client was juggling numerous loans across multiple lenders, each with different terms and repayment schedules. On the advice of his accountant, he sought a more efficient way to manage his borrowing and reduce monthly outgoings, making a single consolidated mortgage the ideal solution.
During the process, several properties were initially deemed unsuitable as security following valuation. Adam worked closely with the lender and valuers to reorganise the structure of the loan, ensuring it met the bank’s requirements while still accommodating the entire portfolio, which is held in the client’s personal name. The final outcome is a streamlined, cost-effective facility that simplifies management and supports the client’s long-term financial goals.
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