In a city as dynamic and high-value as London, real estate isn’t just about location—it’s about strategy. One of the most powerful tools available to landlords and investors is refinancing. Whether you want to release equity for another purchase, reduce your monthly repayments, or restructure your borrowing under a limited company, refinancing your investment property in London can dramatically improve your financial position.
Fraser Bond partners with specialist mortgage brokers and lenders to help investors refinance property portfolios with precision, speed, and long-term gain in mind.
Refinancing involves replacing your existing mortgage with a new one—either with your current lender or a new one—on different terms. Landlords and investors commonly refinance to:
Access built-up equity for reinvestment
Secure a better interest rate
Move from personal name to company structure
Switch to interest-only or repayment models
Consolidate multiple loans
Release capital for refurbishment or expansion
If your current mortgage deal is ending, refinancing can help you avoid expensive standard variable rates (SVRs).
London's rising house prices may have created unrealised equity, which you can now release for new investments.
Refinance multiple properties under a single product or switch to a limited company SPV to optimise tax efficiency.
Cash from refinancing can fund value-adding upgrades such as loft conversions, kitchen remodels, or EPC improvements.
Switching to interest-only or lower-rate loans can reduce monthly outgoings and improve rental yield margins.
Standard remortgage for single-let properties
Fixed and tracker rate options available
For licensed Houses in Multiple Occupation
Higher yields, more complex underwriting
Suitable for tax-efficient investing
Requires specialist lenders
Short-term bridging loans converted into long-term mortgages post-refurbishment or planning approval
One mortgage product across multiple assets
Streamlined reporting and enhanced leverage
At Fraser Bond, we provide hands-on support to landlords and investors looking to refinance property in London. Through our network of FCA-regulated mortgage brokers, we offer:
Exclusive and semi-exclusive deals from specialist lenders
Products for UK residents, expats, and foreign investors
Advice on whether to refinance in a personal name or via an SPV
Tax efficiency and growth planning considerations
Liaison with RICS surveyors and lenders to avoid undervaluation
Support through offer to completion
Combine refinancing with renovation or capital expenditure plans to enhance rental income and resale value
High capital appreciation potential
Strong tenant demand across zones
Flexible lender appetite for well-managed investments
Opportunities to release equity as new postcodes emerge
Whether you're refinancing a studio in Hackney or a five-bed HMO in Hounslow, the right product can turn static capital into active income.
Refinancing your investment property in London is not just about lowering your interest rate—it’s about taking control of your capital and planning for growth. With the right strategy and broker support, refinancing unlocks funding, improves yields, and aligns your portfolio with future goals.
Fraser Bond works with landlords across London to refinance investments strategically, securely, and successfully.
