Commercial Mortgages

Offset & Overdraft Facilities for High-Value Buy-to-Let and Portfolio Landlords

High-value landlords and portfolio investors need more than standard buy-to-let mortgages. Offset and overdraft facilities from private banks offer liquidity, efficiency, and strategic control. Learn how these tools can transform portfolio financing.

portfolio landlord assessing options for an offset mortgage in front of a city skyline

Education Hub

Using an SPV to Manage Property Investments

As the property investment landscape evolves, many professional landlords are turning to Special Purpose Vehicles (SPVs). This article explores the benefits, considerations, and strategic role in modern property investment.

Landlord analysing property portfolio on laptop for strategic remortgaging and investment optimisation.

Optimising Large Property Portfolios Through Strategic Remortgaging

With the right strategy, remortgaging becomes a lever for optimisation. Discover how clarity, control, and performance can transform your large property portfolio.

3D rendering of a modern luxury villa with glass and clean lines, illustrating property development potential with development finance support.

Strategic Use of Development Finance: Funding New Builds, Conversions and Exit Strategies

This article outlines what development finance is, the different categories available, and how eligibility, structuring, and exit strategies play a vital role in project success.

Commercial Mortgages: A Practical Guide for Business Owners, Investors & Developers

This guide cuts through the noise to help you understand how commercial mortgages work, the types of finance available, how lenders assess applications, and how to structure finance that aligns with your long-term goals.

Buy-To-Let Investor Secures Bridging Finance for Auction Property and Exits with Profit

CASE STUDY Overview Bridging finance is a powerful tool for auction purchases. In this case, we supported a first-time landlord purchasing their first buy-to-let property at auction by securing a 75% LTV bridging loan, despite market volatility, a challenging valuation, as well as tight time constraints.

Top Tips for Letting and Managing Property

The right investment vehicle to deliver on your financial objectives There is a significant amount to understand about how to let and manage property, but there’s also a lot of work to do before you buy. You must ensure the property is your right investment vehicle...

Key Considerations for Investing in Property with Sitting Tenants

Allowing landlords to start earning rent income immediately A sitting tenant can provide a valuable opportunity for buy-to-let investors, particularly those new to the sector. This scenario offers a ready-made investment, allowing investors to hit the ground running with an immediate rental income. However, it remains...

How to Optimise Your Property Investments with Portfolio Lending

Managing a growing property portfolio as a professional landlord requires strategic planning and efficient financial management. While traditional mortgages may have sufficed in the early stages, they often fall short of meeting the needs of a mature, diversified portfolio. This is where portfolio lending becomes...

£6.3m Refinancing of Office Premises with Complex Ownership and 75% LTV Requirement

CASE STUDY The Situation A long-standing commercial client approached Henry Dannell requiring urgent refinancing of a Central London office building. With the maturity of their existing facility fast approaching, they sought a new lender able to accommodate a high loan-to-value ratio and a...