Refinancing a Buy-to-Let Portfolio With No Personal Income
Completed in
6 weeks
Outcome
£600/month saved
The Challenge
Imagine you are a retired landlord with a portfolio of four buy-to-let properties generating £3,800 per month in rental income. Your fixed rate mortgages are coming to an end and you need to refinance all four onto competitive rates. With no personal employment income, high street banks have declined your application despite the rental income covering the mortgages comfortably.
How This Could Work
Specialist buy-to-let lenders assess affordability based on rental income coverage rather than personal earned income. Seven Hills Capital Group would present your portfolio as a whole, demonstrating strong income coverage across all four properties, and identify lenders that specifically serve portfolio landlords with no personal income requirement.
The Potential Outcome
All four mortgages refinanced within six weeks. Over £600 per month saved across the portfolio compared to the revert-to-rate on expiry.
This is an illustrative example only. Not a guarantee of outcome. All finance is subject to status and individual lender criteria.
Could This Work For You?
Our team will tell you honestly in one conversation whether this is the right product for your situation - and if not, what is.
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