Complex Portfolio Refinance with Together
We recently completed a multi-million pound portfolio refinance for a client with 54 units across multiple asset types, including commercial, semi-commercial, residential, HMOs, and multi-unit freehold blocks (MUFBs).
The client’s objective was to consolidate existing borrowing, streamline their portfolio under one lender, and release equity to support future property acquisitions. Previously, the portfolio was financed across five different lenders, creating complexity in both management and structure.
Given the scale and diversity of the assets, this was a highly complex transaction requiring a bespoke commercial finance solution. Working closely with Together, we were able to structure a facility that brought the entire portfolio under one lender while meeting the client’s wider investment goals.
A key highlight of this case was the speed and efficiency of execution. Despite the size and complexity of the portfolio, the legal stage was completed in just 3 weeks, demonstrating the strength of collaboration and the ability to move quickly on large transactions.
This case showcases how specialist commercial finance can support portfolio landlords and property investors with complex holdings, enabling them to simplify structures, improve efficiency, and unlock capital for future growth.
