What Is Property Refinancing?

Property refinancing is the process of replacing your existing mortgage or loan with a new finance arrangement—often to secure a better rate, release equity, or fund new investments. Whether you're a homeowner, landlord, or property investor, refinancing gives you greater control over your assets and cash flow.

It can be done on residential, buy-to-let, or commercial properties, and is commonly used as part of a wider property investment or portfolio growth strategy.

Common Reasons to Refinance Property

Property refinancing can help you:

• Secure a better interest rate or switch from a variable to a fixed rate

• Release equity for home improvements, business investment, or deposits for new properties

• Consolidate debt into one manageable loan

• Switch lenders for better terms or service

• Raise funds after completing a refurbishment (as part of a BRRR strategy)

• Restructure a property portfolio for tax or financial efficiency

Types of Property Refinancing

Residential remortgages – For homeowners switching deals or raising funds

1. Buy-to-let refinancing – For landlords looking to release equity or boost rental yield

2. Commercial property refinancing – For business premises or income-generating assets

3. Bridging-to-term refinance – Converting a short-term bridging loan to long-term finance

4. Portfolio refinancing – Consolidating multiple properties under one lender or facility

Key Features & Benefits

Loan size: £50,000 to £10 million+

1. Loan-to-value (LTV): Up to 85% depending on the property type

2. Term length: 2 to 30 years for standard mortgages

3. Rates: Fixed or variable, with access to high street and specialist lenders

4. Flexible terms tailored to your exit strategy or investment goals

Who Can Refinance Property?

Refinancing is suitable for:

• Homeowners with existing mortgages

• Landlords with one or more buy-to-let properties

• Property investors and developers

• Self-employed or limited company borrowers

• SPVs and portfolio landlords

Even if your credit history isn’t perfect, there are specialist lenders who can help structure the right deal.

Why Refinance?

Lower your monthly payments

• Access capital for further investment

• Improve cash flow and ROI

• Switch to a more flexible or fixed rate

• Maximise value from completed refurbishment projects

Looking to Refinance Your Property?

Whether you're refinancing to fund your next investment, reduce interest costs, or unlock equity for business use, we can help. We work with a wide panel of lenders to offer competitive property refinancing solutions tailored to your needs.

Contact us today for expert advice and a free, no-obligation quote.