- Client: UK National and resident
- Loan Amount: Circa £1.5m
Client Overview:
Our client, a UK national and portfolio landlord, sought Enness’ services to refinance a residential property investment following significant redevelopment. The property was now valued higher due to the refurbishment, and the client wished to unlock additional capital to fund further investment opportunities.
Challenges Faced: Balancing Speed, Valuation, and Maximum Capital Access
The client needed to act quickly to secure financing for upcoming investment opportunities. The key challenge was ensuring that the client could access the maximum amount of capital from the property, given its increased value and projected rental income. This required identifying a lender who could provide competitive rates and fees while also conducting a valuation that took both property value and rental yield into account.
The Solution: Leveraging Investment Valuations to Maximise Lending Potential
Enness worked swiftly to find a specialist lender who could accommodate the client’s needs. We successfully negotiated a mortgage that included an investment valuation, allowing the lender to factor in both the property's increased value after refurbishment and its rental income potential. This approach ensured that the client was able to access not only the funds invested into the development but also additional capital to support further investments.
Outcome: Fuelling Future Investments with a Bespoke Refinancing Strategy
Through this tailored solution, the client was able to refinance the property, recouping their investment and raising additional funds to pursue new opportunities. Enness’s expertise and access to a wide range of lenders across the UK real estate market allowed us to secure a quick, competitive financing solution that met the client’s needs.
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