At Aria Finance, we work closely with our clients to understand their long-term goals and property strategies. In this case, we supported a growing property investor in securing a day one remortgage that would release capital for reinvestment an essential step in expanding his portfolio.
The Client:
A self-employed client with a successful business background who was relatively new to property investment when we first started working together. Initially, he owned only his main residence, but he was eager to grow a portfolio through a strategy of Buy, Refurbish, Refinance, and Repeat (BRRR).
The Situation:
The client had purchased a 3-bed mid-terraced property using bridging finance (arranged by the Aria team) and invested in a refurbishment to uplift its value. With the works completed, he required a day one remortgage based on the new, higher valuation of £300,000 to access capital for his next project.
A key challenge was finding a lender and a valuer who understood and supported the client's strategy, something not always available through high street lenders, which often take a more conservative view.
Our Solution
With a clear understanding of the client's objectives, we sourced a lender known for their flexibility and commercial approach. They were comfortable with the BRRR model and had valuers on panel with a more investor-friendly appetite.
The product secured was a 20-year buy-to-let mortgage at 5.19%, with a loan amount of £229,500 representing 75% LTV. From application to completion, the process took 10 weeks.
Benefits & Results:
By aligning the client with a lender that fully understood his investment approach, we unlocked equity from the uplifted value of the property. This enabled the client to immediately reinvest in his next project, accelerating his portfolio growth.
He now owns four properties, two held as buy-to-lets and two on the market for sale, and continues to rely on Aria Finance as a trusted advisor to support his evolving strategy.
