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Semi-Commercial Refinance Unlocks £1m for Portfolio Growth
At Ramsay & White, we specialise in helping property investors and business owners unlock the capital they need to scale their portfolios. This recent case study demonstrates how our team structured a flexible refinance solution for a semi-commercial property.
The Deal
Our client owned a semi-commercial property comprising:
- A 12-bedroom HMO
- A ground-floor commercial unit let to their own business
This mix of residential and commercial elements required a lender who could understand the complexities of both sides.
The Objective
The client was seeking a £1 million interest-only facility to refinance the existing property and release equity to fund further investments. Flexibility and speed were key, as the client wanted to move quickly on their next acquisition opportunities.
The Solution
Working through our specialist lending partners, we secured a 5-year fixed rate at 6.5%. The chosen lender’s streamlined process and competitive terms provided the client with both the confidence and capital needed to continue expanding their portfolio.
“Being a strategic partner for Shawbrook Bank in the specialist market allows us to deliver the right solutions with a competitive product and an efficient process for our clients.” — Dean, Head of Sales at Ramsay & White
The Result
The refinance unlocked significant equity, allowing the client to accelerate their portfolio growth while maintaining stable, predictable repayments.
At Ramsay & White, we work with a range of specialist lenders to help property investors, developers, and business owners structure the right finance for their goals.
If you’re looking to refinance or expand your portfolio, get in touch with our team today to see how we can help.
Industry Recognised Expertise
Our award winning team stays up-to-date on the latest products, rates, and regulations, so you can be confident that you're getting the best possible advice.
Streamlined Process
We make any property financing stress-free by guiding you every step of the way. We'll work with you to gather the required documentation and will be there to answer any questions you may have throughout the process.
Competitive Rates
As a leading expert in property finance in the UK, we have access to a wide range of mortgage products and lenders. This allows us to offer competitive rates and terms that may not be available to individual borrowers.
Customer Oriented
We understand that every client's needs are unique, which is why we take the time to understand your goals and financial situation, and work with you to find a financing solution that fits your needs.
Continued Support
After completion, we provide continued support to all of our clients, answering any questions you may have and help with any of your future property finance needs.
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