Student Buy to Let property portfolio refinance

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Tuesday November 14, 2017

Need to remortgage a portfolio of Buy to Let properties? We have the banking contacts to provide a tailored solution where other lenders may not be able to help. To discuss this or any other large or complex mortgage case, please contact us on 020 7519 4984 or email us.

Case profile

The client was looking to refinance their unencumbered student Buy to Let property portfolio, in order to purchase ten additional units. However, finding an appropriate lender and keeping the cost of the refinance down was a challenge.

The client is an experienced landlord who has built up a portfolio of 26 student Buy to Let properties, across three different UK locations, held in a limited company structure. The units have a combined value of £1.5 million, on which the client wished to borrow £660,000 to finance the purchase of a further ten units.

Finding an appropriate lender was a challenge as student lets can be a riskier form of property investment, therefore deterring some banks from lending against them.

Along with finding a lender happy to take a view on their borrowing we had the additional challenge of keeping the cost of the refinance down. All the properties are on individual units which meant that each one required a separate valuation. In addition, each unit was registered with the land registry individually. These factors added a layer of complexity and cost.


We took the time to understand the client’s circumstances and mortgage requirements holistically. From this, we fully understood their financial position and calculated that the client would only need to remortgage 22 of their 26 units.

We researched the whole market to find them the best Buy to Let remortgage deals, which suited their circumstances and requirements. We presented the case to a lender, which has the appetite to lend against student properties and facilitated face-to-face meetings between both parties. The lender was willing to lend the funds against 22 units owned by the client. We also worked closely with the client and Valuers to keep the cost as low as possible.

Our client was happy with the remortgage terms and rate offered, successfully securing the funding they required to expand their commercial student property portfolio.

You can read more about investing in student accommodation here.

Deal Highlights

Loan amount:£660,000
Rate:4.00% (3.50% above base rate, currently 0.50%)
Term:10 years
Type:Capital repayment
Loan purpose:Remortgage
Lender’s arrangement fee:1.50% of the loan amount
Early repayment charges:None


This case study is for information and illustration purposes only. It is not an offer, or suggestion of an offer. Each mortgage case is assessed on an individual basis and there is no guarantee that the solution described here can be repeated in the future.

Please note that this specific deal may not be available to – or suitable for – all customers, dependent on their individual circumstances. The rate quoted may become out of date at short notice and may not be available at the point at which customers enquire about it. This document may not contain all the information needed for customers to make a decision and they should seek advice.

Your home or property may be repossessed if you do not keep up the repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt.

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Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing any other debts against your home. is a trading name of Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London, E14 9QD authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 302228 and can be viewed by visiting the FCA website: The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending. Ltd is a licensed credit broker, and not a lender. Ltd Registered in England and Wales No: 5070990 Registered Address: As above. The guidance and advice contained within the website are subject to the UK regulatory regime and is primarily targeted at UK customers. Calls may be recorded for training and monitoring.
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