Case Study: Fast Buy-to-Let Refinance Unlocks Funds for Further Investment

Aria Finance supported a returning landlord in refinancing an unencumbered buy-to-let property, quickly releasing equity to fund their next investment opportunity through a fast and cost-efficient solution.

Case summary:

• Returning landlord client (third deal with Aria Finance)
• £50,000 raised at 47% LTV
• Unencumbered buy-to-let property refinanced
• 5-year fixed rate over a 20-year term
• AVM used to avoid physical valuation
• Non-representation solicitors reduced legal costs and time
• Completed in just over 5 weeks
• Funds released to support further portfolio growth

Read the full case study to find out how we made this happen.

The Client:

 The client is a small-scale landlord who has previously worked with Aria Finance and returned to the team for the third time to secure mortgage funding. They recently purchased a property outright with cash and were now looking to leverage the asset to continue expanding their portfolio. 

The Situation:

Having bought the property outright, the client wanted to refinance the unencumbered asset to release capital for another potential property purchase. Speed was important, as they wanted to ensure funds were available as quickly as possible to take advantage of further investment opportunities.

The property was a standard residential house, and the client was seeking a straightforward buy-to-let mortgage to raise £50,000 at 47% loan-to-value. The application was submitted on 26 November 2025, and the client was keen to avoid unnecessary delays or additional costs wherever possible.

Our Solution:

Aria Finance identified a lender that could support the refinance quickly and efficiently. The chosen lender accepted an Automated Valuation Model (AVM), removing the need for a physical valuation and helping to reduce both the timeline and associated costs.

In addition, the lender allowed the use of non-representation solicitors, which further streamlined the legal process and kept costs down for the client. The case was structured with a five-year fixed rate over a 20-year term, providing stability while enabling the client to release the funds they required.

Benefits & Results: 

The refinance completed on 6 January 2026, just over five weeks after initial application, successfully releasing £50,000 for the client to use towards their next property purchase.

By selecting a lender with AVM capability and efficient legal options, Aria Finance was able to minimise both time and costs while delivering the funding quickly. The successful outcome further strengthened the client’s relationship with Aria Finance, marking the third mortgage the client has completed with the team.