Review existing funding and explore a more suitable structure.
Facilities that made sense when they were arranged do not always make sense now. Rates move, properties are improved, tenancies change and portfolios grow.
A refinance review looks at what you are paying, what your property is now worth and what you want to do next, and tells you whether a different structure would serve you better.
- Property
- Residential, commercial, portfolios
- Purpose
- Rate review, equity release, restructuring
- Basis
- Loan to value and income cover
- Timing
- Plan ahead of facility expiry
Typical parameters. Every facility depends on the lender, the security and the transaction.
When refinance is the right tool.
- Replacing an expiring or expensive facility
- Releasing equity after refurbishment or value uplift
- Consolidating multiple loans across a portfolio
- Moving from short-term to long-term funding
- Restructuring commercial property debt
- 01
Cost review
Understand the true cost of your current facility and the alternatives.
- 02
Equity release
Capitalise on value you have created to fund the next project.
- 03
Right structure
Match the term, product and lender to how you actually use the property.
- 04
No obligation
A review tells you where you stand. You decide whether to proceed.
From first conversation to funds released.
- 01
Current position
We review existing facilities, rates, terms and any early repayment charges.
- 02
Options
We compare like-for-like refinance, equity release and restructuring alternatives.
- 03
Application
Valuation, application and underwriting with the chosen lender.
- 04
Redemption and completion
The old facility is redeemed and the new one drawn.
Frequently asked.
Ideally four to six months before an existing facility expires or a fixed rate ends, so there is time to arrange a valuation and complete without pressure.
Often, yes, subject to the lender's loan-to-value and affordability criteria. Value created through refurbishment or improved tenancies can support a larger facility.
Tell us about your deal.
Start with the basics. We'll come back with an initial view and the questions that actually matter.
Question 2