Property investor secures long-term refinance after overcoming valuation-led challenges

An experienced private property investor sought to refinance an established buy-to-let investment property as part of their long-term portfolio strategy. The objective was to secure competitive funding terms while maintaining a sustainable financing structure that supported the continued retention of the asset for rental income and future capital growth. Having built a portfolio through a measured and disciplined investment approach, the client was keen to optimise their existing lending arrangements while benefiting from the stability of a fixed-rate facility. 

Following a review of the available funding options, it became clear that the most suitable outcome was to retain the facility with the incumbent lender. This approach offered competitive terms while preserving an established banking relationship and providing a more efficient route to completion. However, during the valuation process, additional property works were identified that required completion before the refinance could proceed. With contractor availability limited and lender timescales becoming increasingly tight, the transaction faced the risk of significant delays and potential implications for the client's existing facility. 

Working closely with the client, lender, valuers and other stakeholders, Christie Finance proactively managed the process to keep the transaction moving forward. Through regular communication and careful coordination, additional time was secured to allow the necessary works to be completed and signed off. This collaborative approach enabled the refinance to complete successfully, delivering a competitive long-term funding solution that met the client's objectives and supported their continued investment strategy. 

Owen Fish, Finance Consultant in the Christie Finance Real Estate team comments, “This transaction highlights the value of strong lender relationships and proactive management. After reviewing the wider market, we identified that the most suitable solution remained with the client's existing lender, retaining the banking relationship while delivering competitive terms. Despite valuation-related works and tight timescales, we were able to navigate the challenges and secure the refinance on terms that met the client's objectives.”