CASE STUDY
At Henry Dannell, we recently arranged a £4.5 million commercial mortgage for an experienced portfolio landlord, enabling the strategic expansion of a diversified property portfolio and the release of equity for future investments.
Client Profile
Our client is a highly experienced investor with a well-established portfolio including semi-commercial properties, mixed-use buildings, and fully commercial premises. With a clear strategy to capitalise on current market trends, the client was seeking a facility that would support both:
- Refinancing and releasing equity from existing commercial properties
- Acquisition of further mixed-use and commercial investments
Their objectives included strengthening liquidity, increasing long-term income potential, and positioning the portfolio for ongoing expansion.
Our Approach
We began with a comprehensive review of the client’s existing portfolio and borrowing structure. This allowed us to design a tailored commercial mortgage facility that reflected both the value of the assets and the client’s ambitions. Key features included:
- A multi-property refinancing strategy, securing improved terms and releasing capital
- Consolidated borrowing under a single facility to simplify management and improve efficiency
- Loan terms that aligned with the client’s investment timelines, allowing flexibility for future development or disposal
- A structure suitable for limited company ownership, supporting tax efficiency and scalability
Our access to specialist commercial lenders meant we were able to present a strong case that focused on the performance and value of the portfolio rather than solely on personal income or guarantees.
Outcome
The structured commercial mortgage allowed our client to:
- Acquire an additional mixed-use property comprising ground-floor retail with upper-floor residential
- Fund light refurbishments across several assets to enhance rental income and asset value
- Consolidate commercial borrowing under a more efficient structure
- Strengthen cash flow and lay the foundation for further expansion, including potential investment in a small hotel and healthcare-focused commercial premises
This case is a strong example of how commercial mortgage finance can be used strategically for:
- Portfolio landlords managing a blend of commercial and residential assets
- Professional investors seeking to refinance and release capital
- Acquisitions across a variety of commercial sectors, including retail, offices, healthcare, and leisure
- Business owners operating as sole traders or LLPs looking to secure premises
- Commercial mortgages for properties with multiple income streams or part-residential elements
Matt Karagul, Head of Specialist Lending at Henry Dannell, commented:
“With a multi-asset portfolio and a focus on future growth, it was essential to structure a commercial mortgage that was flexible, scalable, and aligned with the client’s long-term investment strategy. By securing capital against high-performing commercial properties, we enabled our client to unlock equity and accelerate their expansion.”
Trusted Advice on Commercial Property Finance
Whether you are a professional landlord, business owner, or commercial developer, we offer tailored advice on:
- Commercial mortgages for retail, office, industrial, and healthcare use
- Mixed-use and part-commercial property financing
- Equestrian or agricultural commercial properties
- Holiday let and serviced accommodation mortgages
- Portfolio refinancing and equity release from commercial assets
Our team understands the nuances of commercial property lending and works closely with clients to identify opportunities in a shifting landscape.
Contact us today to explore how we can support your commercial property ambitions.
This is a case study and not indicative of typical results. Past performance is not necessarily representative of future results. This information is for general purposes only and does not constitute financial advice. Please seek professional advice before making any financial decisions.
Please note: a mortgage is secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
