{"id":30716,"date":"2026-02-10T20:28:06","date_gmt":"2026-02-10T12:28:06","guid":{"rendered":"https:\/\/www.articusfinance.com\/?p=30716"},"modified":"2026-03-28T05:44:34","modified_gmt":"2026-03-27T21:44:34","slug":"arranging-a-4-8m-commercial-property-refinance","status":"publish","type":"post","link":"https:\/\/www.articusfinance.com\/ch\/case-studies\/arranging-a-4-8m-commercial-property-refinance","title":{"rendered":"Arranging a \u00a34.8m Commercial Property Refinance for a UK-Based Investor"},"content":{"rendered":"<h3 data-start=\"512\" data-end=\"531\"><span style=\"color: #00424f\"><strong>Client Overview<\/strong><\/span><\/h3>\n<p data-start=\"3280\" data-end=\"3495\"><span style=\"color: #00424f\">The client was a UK-based commercial property investor with a diversified portfolio including office and light industrial assets. One of their core properties was approaching the end of an existing lending facility.<\/span><\/p>\n<p data-start=\"3497\" data-end=\"3596\"><span style=\"color: #00424f\">The client required a strategic refinance to improve cash flow and support future investment plans.<\/span><\/p>\n<p data-start=\"701\" data-end=\"973\"><span style=\"color: #00424f\">Do you have a commercial property you are looking to remortgage or purchase?\u00a0 <em><strong><a style=\"color: #00424f\" href=\"https:\/\/www.articusfinance.com\/ch\/contact\">Click here to get in contact with one of our experienced brokers today.\u00a0<\/a><\/strong><\/em><\/span><\/p>\n<p data-start=\"763\" data-end=\"896\"><span style=\"color: #00424f\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/span><\/p>\n<h3 data-start=\"903\" data-end=\"920\"><span style=\"color: #00424f\"><strong>The Challenge<\/strong><\/span><\/h3>\n<p data-start=\"3620\" data-end=\"3729\"><span style=\"color: #00424f\">The property was valued at approximately <strong data-start=\"3661\" data-end=\"3677\">\u00a37.2 million<\/strong>, with an existing loan balance of <strong data-start=\"3712\" data-end=\"3728\">\u00a34.8 million<\/strong>.<\/span><\/p>\n<p data-start=\"3731\" data-end=\"3755\"><span style=\"color: #00424f\">Key challenges included:<\/span><\/p>\n<ul data-start=\"3756\" data-end=\"3980\">\n<li data-start=\"3756\" data-end=\"3811\">\n<p data-start=\"3758\" data-end=\"3811\"><span style=\"color: #00424f\">A high loan to value ratio (for a commercial security)<\/span><\/p>\n<\/li>\n<li data-start=\"3812\" data-end=\"3866\">\n<p data-start=\"3814\" data-end=\"3866\"><span style=\"color: #00424f\">The need for a full interest only solution<\/span><\/p>\n<\/li>\n<li data-start=\"3867\" data-end=\"3926\">\n<p data-start=\"3869\" data-end=\"3926\"><span style=\"color: #00424f\">Complex rental income structure across multiple tenants with varying lease lengths<\/span><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3982\" data-end=\"4059\"><span style=\"color: #00424f\">The client had previously approached their existing high-street banking partner; however, they were unable to achieve the appropriate leverage or provide a suitable solution.<\/span><\/p>\n<p data-start=\"3982\" data-end=\"4059\"><span style=\"color: #00424f\">If you&#8217;re considering purchasing or refinancing a commercial property, <em><strong><a style=\"color: #00424f\" href=\"https:\/\/www.articusfinance.com\/ch\/commercial-mortgages\">click here to learn more about our range of tailored commercial funding solutions<\/a>.\u00a0<\/strong><\/em><\/span><\/p>\n<p data-start=\"1355\" data-end=\"1428\"><span style=\"color: #00424f\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/span><\/p>\n<h3 data-start=\"1435\" data-end=\"1467\"><span style=\"color: #00424f\"><strong>The Articus Finance Approach<\/strong><\/span><\/h3>\n<p data-start=\"4098\" data-end=\"4172\"><span style=\"color: #00424f\">Articus Finance undertook a detailed review of the transaction, including:<\/span><\/p>\n<ul data-start=\"4173\" data-end=\"4378\">\n<li data-start=\"4173\" data-end=\"4220\">\n<p data-start=\"4175\" data-end=\"4220\"><span style=\"color: #00424f\">Rental income analysis and lease structures<\/span><\/p>\n<\/li>\n<li data-start=\"4221\" data-end=\"4263\">\n<p data-start=\"4223\" data-end=\"4263\"><span style=\"color: #00424f\">Property valuation and lender appetite<\/span><\/p>\n<\/li>\n<li data-start=\"4264\" data-end=\"4322\">\n<p data-start=\"4266\" data-end=\"4322\"><span style=\"color: #00424f\">Cash flow modelling under different interest scenarios<\/span><\/p>\n<\/li>\n<li data-start=\"4323\" data-end=\"4378\">\n<p data-start=\"4325\" data-end=\"4378\"><span style=\"color: #00424f\">The client\u2019s wider portfolio and long-term strategy<\/span><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4380\" data-end=\"4488\"><span style=\"color: #00424f\">We then approached a handful of specialist commercial lenders and private banks with whom we work closely.<\/span><\/p>\n<p data-start=\"1748\" data-end=\"1938\"><span style=\"color: #00424f\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/span><\/p>\n<h3 data-start=\"1945\" data-end=\"1961\"><span style=\"color: #00424f\"><strong>The Solution<\/strong><\/span><\/h3>\n<p data-start=\"1971\" data-end=\"1995\"><span style=\"color: #00424f\">Articus Finance secured:<\/span><\/p>\n<ul data-start=\"1996\" data-end=\"2194\">\n<li data-start=\"1996\" data-end=\"2041\">\n<p data-start=\"1998\" data-end=\"2041\"><span style=\"color: #00424f\">The required loan at 67% loan to value<\/span><\/p>\n<\/li>\n<li data-start=\"2042\" data-end=\"2083\">\n<p data-start=\"2044\" data-end=\"2083\"><span style=\"color: #00424f\">Interest only solution<\/span><\/p>\n<\/li>\n<li data-start=\"2084\" data-end=\"2122\">\n<p data-start=\"2086\" data-end=\"2122\"><span style=\"color: #00424f\">A competitive 3 year fixed rate to align with various lease expirations<\/span><\/p>\n<\/li>\n<li data-start=\"2123\" data-end=\"2194\">\n<p data-start=\"2125\" data-end=\"2194\"><span style=\"color: #00424f\">Fast credit decision and completion<\/span><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"5129\" data-end=\"5275\"><span style=\"color: #00424f\">The refinance provided the client with stability, flexibility and capital to support continued growth in a challenging commercial property market. We have a library of previous case studies that range from commercial to development to residential mortgages. <em><strong><a style=\"color: #00424f\" href=\"https:\/\/www.articusfinance.com\/ch\/case-studies\">Click here to read more<\/a><\/strong><\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Client Overview The client was a UK-based commercial property investor with a diversified portfolio including office and light industrial assets. One of their core properties was approaching the end of an existing lending facility. The client required a strategic refinance to improve cash flow and support future investment plans. Do you have a commercial property [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":21750,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[70],"tags":[],"class_list":["post-30716","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.articusfinance.com\/ch\/wp-json\/wp\/v2\/posts\/30716","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.articusfinance.com\/ch\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.articusfinance.com\/ch\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.articusfinance.com\/ch\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.articusfinance.com\/ch\/wp-json\/wp\/v2\/comments?post=30716"}],"version-history":[{"count":2,"href":"https:\/\/www.articusfinance.com\/ch\/wp-json\/wp\/v2\/posts\/30716\/revisions"}],"predecessor-version":[{"id":30730,"href":"https:\/\/www.articusfinance.com\/ch\/wp-json\/wp\/v2\/posts\/30716\/revisions\/30730"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.articusfinance.com\/ch\/wp-json\/wp\/v2\/media\/21750"}],"wp:attachment":[{"href":"https:\/\/www.articusfinance.com\/ch\/wp-json\/wp\/v2\/media?parent=30716"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.articusfinance.com\/ch\/wp-json\/wp\/v2\/categories?post=30716"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.articusfinance.com\/ch\/wp-json\/wp\/v2\/tags?post=30716"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}