A serial property investor with a portfolio of 15 buy-to-let properties approached StatusKWO seeking £800K to fund two new acquisitions. Traditional lenders had declined due to the complexity of assessing multiple properties. Here is how we helped.
The Situation
The investor had built a strong portfolio over 10 years, generating consistent rental income across 15 properties in the North West of England. They identified two new opportunities but needed to move quickly and could not wait for traditional lenders to assess each property individually.
Our Solution
We took a holistic view of the entire portfolio, assessing:
- Aggregate value: £3.2M across all 15 properties
- Net rental yield: 7.2% average across the portfolio
- Equity position: Significant unencumbered equity across several properties
- Track record: 10 years of successful portfolio management
Based on this assessment, we structured a facility secured against several properties in the portfolio, releasing £800K for the new acquisitions.
The Outcome
- Facility: £800K portfolio-backed loan
- Term: 12 months
- LTV: 25% against the secured properties
- Timeline: Funds available in 10 working days
The investor completed both acquisitions, adding two more properties to their portfolio and increasing their monthly rental income by £3,200.
Why Portfolio Lending Works
For investors with multiple properties, portfolio lending offers a way to leverage the collective value of their holdings rather than being assessed property by property. This approach is faster, more flexible, and often provides better terms.
Contact StatusKWO to discuss how portfolio lending could work for you.