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The Client
The client is an experienced commercial property investor with an established portfolio and plans to expand into a new business venture. They owned a fully occupied office investment property in Wales and were seeking to restructure existing borrowing to improve cash flow and release capital for future investment.
The Situation
The property consisted of 12 individual office units, all fully let, providing a stable and consistent rental income. The property was valued at £950,000 and was subject to an existing commercial mortgage with a high street bank, which had an outstanding balance of £347,398.
The client’s objectives were:
- To refinance the existing loan on improved terms
- To release equity from the property
- To generate surplus capital to fund a new business venture planned for the new year
Speed and certainty were key considerations, as the client wanted the funds in place well ahead of time for the new planned business venture.
The Solution
We structured a commercial refinance facility tailored to the property’s strong rental performance and full occupancy. A loan of £595,349 was secured against the property, enabling the client to repay the existing loan in full.
This resulted in a cash surplus of £225,602, which was released to the client for reinvestment into their future business plans.
Indicative terms were issued the same day the enquiry was received, providing immediate clarity and confidence. The full application was submitted just five days later, and the transaction was successfully funded in just 45 days, which is considerably faster than may have been expected if they refinanced with their existing lender.
The Benefit
The refinance delivered several key benefits for the client
- Successful repayment of the existing high street bank loan
- Release of £225,602 in surplus capital
- Continued ownership of a fully occupied, income-producing commercial asset
- Improved liquidity to support future business investment
- Certainty of funding well ahead of the new year
The Result
The transaction completed efficiently, allowing the client to enter the new year with capital already in place for their next venture. By leveraging the strength of the fully let office property, the client was able to unlock significant equity without disrupting existing income streams.
The refinance strengthened the client’s overall financial position and positioned them for continued growth and diversification.
Client Testimonial
“From start to finish, the process was handled efficiently and professionally. The speed at which terms were issued really stood out, and everything progressed exactly as promised. Releasing the equity has put us in a great position for our next project, and I wouldn’t hesitate to work with them again.”
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