Case Information

Loan Raised: £2,000,000
 Portfolio Value: £8,000,000
 Refinance Value: £2,750,000
 Outcome: Capital released despite rental restrictions and large portfolio size

The Challenge

Our client, an experienced portfolio landlord, wanted to release equity from his properties to fund further investments.

However, there were two key challenges:

  • The portfolio was too large for many mainstream lenders
  • Rental income was relatively low, as many long-term tenants were paying below market rent

This created restrictions on how much could be borrowed, limiting the client’s ability to access the equity tied up in the portfolio.

Our Approach

We worked closely with the client to build a clear strategy around his portfolio:

  • Carried out a full portfolio review, assessing each property’s value and lending potential
  • Produced a detailed report outlining available equity and projected mortgage payments
  • Collaborated with the client and his accountant to identify which properties were best suited for refinancing
  • Sourced a lender with a more flexible approach to portfolio size and rental stress testing

The Solution

We secured funding of £2,000,000 across five properties at 75% LTV, allowing the client to release the capital needed for further investment.

The lender’s criteria were key to the success of the case:

  • No background stress testing across the wider portfolio
  • Rental stress calculated at 125% at pay rate (3.79%), allowing higher borrowing

This structure enabled the client to unlock equity without needing to increase rents or disrupt long-term tenancies.

Why It Matters

For portfolio landlords, borrowing isn’t just about property value—it’s about how lenders assess rental income and overall exposure.

A well-structured approach, combined with the right lender, can make a significant difference to how much you’re able to raise.

Speak to an Expert

If you’re looking to release equity or restructure your portfolio, tailored advice is essential.

Get in touch for a confidential discussion and explore your options.

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Testimonials

Client Experiences That Speak for Themselves

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I would highly recommend Amar Dhanota as a mortgage broker to anyone looking to purchase a property. Amar helped me through the process of buying my flat and was absolutely brilliant from start to finish.

What stood out most was her dedication — she stayed on my case for as long as it took, tirelessly searching to find the best possible deal for me. She never made me feel rushed or like just another client. Instead, she gave my situation the time and attention it deserved.

If you’re looking for a mortgage broker who genuinely goes the extra mile and puts your best interests first, look no further than Amar. I can’t thank her enough!

Aleksandar Tomić
CLIENT

I cannot recommend Amar highly enough. From start to finish she has been an absolute star — always available on the phone, patient, calm and reassuring no matter how many questions I had. Her knowledge and guidance made a stressful process so much easier, and nothing was ever too big an ask.

What really stood out is how Amar went above and beyond her remit. Even once her part of the process was technically complete, she continued to check in, support me and smooth out other areas that weren’t even her responsibility. That level of care and dedication is rare and invaluable.

Thanks to Amar, what could have been overwhelming felt manageable and clear. I would recommend her without hesitation to anyone looking for a broker who genuinely has your back throughout the journey.

Ohemaa Abrefa
CLIENT

Another Project, completed and with Amar’s help we got it over the line! Amar always goes over and above to get the job done, and I come with many issues 😜 we spoke so much he must of thought he was a full-time employee of mine. (sorry) Next one will be simple 🫣😂 I have already recommended him and London FS- Property Finance to others, highly recommended and 5 star service. Thank you.

Maura Walsh
CLIENT

Great Service from Amar and Anita. From Day 1 to completion very clear, and efficent in timing

Quick responses and regular updates. Couldn’t be more thankful as they helped me complete within no time. Also great resources for legal and other solutions if required

Jangir Choudry
CLIENT

Amar, from London Finances Solutions has just helped me a second time with arranging my mortgage and was just as efficient as the first. She makes things as clear and easy as possible, always quick at responding to any questions and is very quick at finding the best deal to fit my needs and generally makes the whole process very smooth. I would highly recommend to anyone seeking mortgage advice and will certainly be returning in the future.

Matthew Astle
CLIENT

Want to thanks Amar (and LFS) for excellent service. He is master in his trade. He not only helped me through end to end journey of Mortgage but also have provided his valuable suggestion on aligned aspect in my house buying journey. Benefit of clients is always at centre of his heart. Although I have completed my purchase but think this good service relationship will go long way.

Thanks Amar for great help!

Swapnil Patil
CLIENT

Excellent service from LFS – specifically Amar. As first time buyers, there where a lot of nerves and uncertainty – but this was all taken care of by Amar. She guided us along every step of the way and ensured that our application went through as smoothly as possible and in a timely manner.

What stood out was – nothing was ever ‘too much’ of a problem for Amar – rather it was ‘lets see how I can help’. Buying your first house can be really stressful but now we’re in , we’re looking back and thinking we couldn’t have done it without the support and professionalism from LFS.

Would highly recommend LFS to anyone. Thank you to the entire team.

Abul Hassan
CLIENT

I would highly recommend Amar at London Finance Solutions. Amar was so helpful and friendly in directing us through our mortgage and life insurance application. Amar was highly professional from start to finish and always got back to us straight away with any concern that we might have. Thanks Amar!

Sophie
CLIENT