£30M portfolio refinance, complexly structured to transition debt across multiple incoming and outgoing lenders
Refinanced a 50+ property HMO portfolio of apartments, studios and houses across West London on a £31M facility, transitioning the debt from four outgoing lenders to two incoming lenders. When the council introduced a minimum-area lettings requirement late in the process — threatening vacancy and cash flow — we restructured at short notice to protect the completion date, modelling optimal capital and cash flow structures to maximise leverage within risk parameters.
How we structured it
Last-minute deal restructure
Post credit approval & finalization of valuation, council requested min area requirement for lettings which required 6 months of work. This meant vacancy and cash flow impact. Structured the deal last minute to make it work for the client not jeopardizing the completion date
Optimized leverage modeling
Modeled optimal capital and cashflow structures to maximize leverage within risk parameters
Advanced fund transfer
Deal execution was complex and key which required close coordination with multiple stakeholders. Transferred funds in advance to solicitors to successfully execute & complete the transaction smoothly
