Whether you are buying your first buy-to-let property or growing an established portfolio, financing and refinancing decisions can play a major role in achieving your long-term investment goals.
Specialist legal advice is key to ensuring the process runs smoothly and your transaction completes efficiently.
Our Residential Property Solicitors explain how the refinancing process works and the key considerations buy-to-let investors should keep in mind when refinancing.
How to finance a buy-to-let portfolio
Whilst your broker may be best placed to advise on buy-to-let mortgage products, bridging options or commercial finance, we can help you complete the legal process efficiently, whether you are releasing equity or securing new funding.
We work closely with a range of leading buy-to-let finance providers, including Paragon Bank, Barclays, and Handelsbanken, and are skilled at reviewing their offers and meeting their special conditions.
How the refinancing process works
Whether you are refinancing a singular dwelling or a portfolio of investment properties, our solicitors typically manage the transaction in the following stages:
- Once we receive your mortgage offer, we will review the terms and track and satisfy the special conditions. These can include requirements to provide planning consent and building regulations approval for renovation works and conversion to HMO status. We will draft a mortgage report setting out the key terms and invite you to sign the mortgage deed/legal charge.
- We will obtain the title documents from the Land Registry and conduct a title check on behalf of the lender. This includes checking for any restrictions that must be satisfied before the refinance can take place. If the property is leasehold, we would also check the management arrangements and obtain the necessary information from the freeholder and management company.
- We will order searches in line with your lender’s requirements.
- Once all the lender’s conditions have been satisfied, we will take your instructions on a completion date. If you are refinancing, we will request a final redemption statement from your lender outlining the amount required to redeem the existing mortgage in full. We will then arrange for completion of the new mortgage to take place on the same day as the redemption.
- After completion, we will promptly register the new mortgage against your property at the Land Registry and provide you with the updated title documents upon receipt.
Key considerations
At Myerson, we look beyond the legal transaction itself. A refinance is often part of a wider strategy, such as transferring equity or incorporating a portfolio into a limited company.
As a full-service law firm, our Residential Property team works closely with colleagues in our Commercial Property, Corporate and Private Client teams to deliver joined-up advice.
We can guide you through the legal transaction and provide you with practical advice which touches on the following:
- Portfolio size and associated tax implications.
- Personal guarantees and corporate liability.
- Redemption and early repayment charges.
- Statutory compliance, ensuring that you have the correct certification for renovation work and that you comply with your obligations under the Companies Act as to the recording of the transaction.
We work closely with a trusted network of mortgage brokers, letting agents, accountants and tax advisers to provide joined-up support throughout your transaction.
Because we do not operate a bulk conveyancing model, we can work to your timescales while delivering the personal service and attention to detail that complex investment transactions deserve.
Speak to our Buy-to-Let Solicitors
Whether you are financing your first buy-to-let property, refinancing an existing investment or restructuring a growing portfolio, our experienced Residential Property solicitors can guide you through the process.
We provide clear, practical advice tailored to property investors and work closely with lenders, brokers and other professional advisers to help keep transactions progressing efficiently.
To discuss financing or refinancing your buy-to-let portfolio, contact our Residential Property team today.
0161 941 4000
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Laura Higgins
Associate
Laura is an Associate in our Residential Property team. Laura has experience in a wide range of residential property transactions, including freehold and leasehold sales and purchases, Transfers and Assents.
About Laura Higgins