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How we helped

Limited Company Mortgages

Amount raised: £1,350,000

Purpose of finance: Capital Raise for Business Investment for new business start-up

Type of finance: Commercial Mortgage – 70% loan to value, 100% of funding requested.


Our client was an established buy to let investor who has been caught with the change in tax legislation on rental income and mortgage interest relief. The client was aware that changes were coming but hadn’t specifically looked at the financial impact that would have on their annual income. With good advice from a new accountant who was a tax specialist, Central Finance worked with the client and the accountant to move the portfolio over quickly to minimise the effects of the new tax regime.

The Challenge:

Timescales – this needed to be completed prior to the new tax year, 26 residential properties to move over and the client was specifically focused on the lowest rate of interest. They needed to refinance their total current borrowings across the entire portfolio along with raising additional capital to further expand. Whilst the client had had discussions with his own bank, they wanted to have security over all commercial investment properties and the residential portfolio which the client was unhappy with.

The Solution:

Due to good strong relationships that Central Finance have with lenders and the ability to work at speed with valuers, solicitors and those in key positions, we were able to secure a facility that met all the clients requirements. Security was only taken over the residential portfolio enabling the client to leave the commercial element unencumbered. This gave the client flexibility for future funding should they need to capital raise in the future to purchase additional investments.


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