Large Portfolio Review and Restructure for a Professional Investor in London
£6,800,000 · 25 years · 5.29% fixed 5 yrs. A professional property investor held seventeen London properties across six lenders, many on expired deals.
The Client
Professional property investor
The Challenge
A professional property investor held seventeen London properties across six lenders, many on expired deals. The aggregate mortgage cost and management complexity were both unnecessarily high. A full portfolio review revealed that three properties had been on SVR for over two years - costing an estimated £28,000 per year in excess interest.
Our Solution
Doulton conducted a full asset-by-asset analysis, mapped each property to the optimal lender and product, and executed a phased remortgage programme over four months to avoid early repayment charges on properties still within fixed terms. The seventeen properties were ultimately consolidated with three lenders.
The Outcome
All seventeen properties remortgaged or transferred to competitive products. Annual interest saving: £31,400. The consolidated three-lender structure dramatically simplified portfolio management and aligned review dates for future proactive management. Key highlights: 17-property London portfolio fully restructured; Annual saving of £31,400 - phased to avoid ERCs; Consolidated from 6 lenders to 3 - massively simplified management.