Specialist bank completes complex and time-sensitive multi-property refinancing

20 April 2026

A specialist lender has completed the refinancing of a three-property portfolio, providing tailored lending solutions that navigated multiple ownership structures, lease arrangements and time-sensitive requirements.

Redwood Bank, in partnership with Bespoq Finance, provided a comprehensive refinancing package for a landlord with a mixed portfolio comprising residential and commercial units. The transaction involved complex ownership structures, SPV transfers, a lease extension and management of related-party tenancies, all within a four-month timeframe.

Jane Hand, regional development manager at Redwood, said:

“This case reflects the sustained effort required to manage multiple moving parts simultaneously. Completing three loans together within four months demonstrates our commitment to delivering at pace, even in complex circumstances. Nothing was rushed, but everything moved forward with purpose.

“By structuring the deal clearly and keeping momentum, we ensured that issues such as related-party leases and SPV creation did not derail progress. Completing all three loans together gave the customer confidence to move forward with their wider business plans.”

The refinancing package included:

• Property 1: three commercial units – £627,555 loan at 67.84 per cent LTV, 25-year term, five-year fixed rate
• Property 2: semi-commercial property – £237,150 at 71.86 per cent LTV, 30-year interest-only term
• Property 3: two commercial units – £78,765 loan at 63 per cent LTV, 25-year commercial investment mortgage.

The loans enabled the customer to repay an existing bridging facility and release equity for further business use. Redwood’s legal and advisory teams worked closely with the client’s accountants to ensure compliance with capital gains and stamp duty land tax requirements, while structuring the transaction to manage complexity efficiently.

Lucy Hope, Bespoq Finance director, said:

“This case shows what can be achieved when lender and broker work together at pace. The background was complicated, but Redwood brought their specialist team, streamlined the process and delivered in time to avoid expensive penalties.

“By managing the complexity behind the scenes, the bank made the experience feel straightforward for the customer at a time when they were taking on new responsibilities in the family business. What could have felt overwhelming was instead delivered in an efficient and organised way.”

To read more, visit: Specialist bank completes complex and time-sensitive multi-property refinancing