“The tailored pricing and coordinated approach across valuation, underwriting and legal teams meant the client could progress their wider plans with confidence”
– Serena Grewal – HTB
Hampshire Trust Bank (HTB) has announced the completion of a £6 million refinance for an experienced high-net-worth landlord with a portfolio valued at around £100 million.
The transaction forms the second phase of a wider restructuring exercise following an initial £7.5 million refinance completed earlier in the summer. The case was introduced by Sy Nathan, Head of Bridging and Structured Finance at Dynamo.
The portfolio comprised mixed-use assets, HMOs, MUFBs and semi-commercial units located across North and South London. The refinance involved multiple securities spread across several limited companies and needed to be completed within a tight timeframe. Bespoke pricing was shaped to reflect both the complexity of the asset mix and the borrower’s longer-term investment strategy.
HTB structured the facility with terms tailored to the refinance requirements and to support the client’s onward acquisition plans. The case was managed by Serena Grewal, Regional Account Manager, with underwriting from Greg Barnard. Surveyor support was provided by Ringley and Savills, and legal work was undertaken by Arch Law.
The refinance provides the borrower with the liquidity and certainty required to progress new opportunities and continue expanding their portfolio.
Serena Grewal, Regional Account Manager at HTB (pictured), said, “This was a complex portfolio refinance with several securities and company structures that needed to align to a defined completion window. By working closely with Sy from the outset, we kept each workstream moving so the borrower had clarity at every stage. The tailored pricing and coordinated approach across valuation, underwriting and legal teams meant the client could progress their wider plans with confidence.”
Sy Nathan, Head of Bridging and Structured Finance at Dynamo, comments, “The client needed funds for the acquisition of a new site, and our strong relationships with HTB were instrumental in delivering a positive and swift outcome. Structuring borrowing across multiple limited companies simultaneously presents its challenges. However, having worked with the HTB team on previous portfolio refinances, I was confident that together we would find a solution that suited all parties.”
Andrea Glasgow, Sales Director, Specialist Mortgages and Bridging Finance at HTB, added, “This case reflects the structured support brokers rely on when managing mixed portfolios across multiple entities. The team stayed close to Sy throughout and kept momentum across all the moving parts so the refinance could complete on time. The legal work delivered by Arch Law was a significant factor in maintaining that momentum.”
“Their proactive approach and ability to progress documentation at pace supported the timelines involved and was instrumental in keeping the transaction on track. That level of coordination gives brokers confidence that, however complex or time sensitive a case may be, we will work with them to see it through.”
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