Whether you’re buying, refinancing, or building a portfolio — we structure it properly.
We combine an accountant’s precision with a broker’s reach, sourcing mortgage solutions from challenger banks and lenders many brokers can’t access.
Purchases and refinances, handled the same way — properly
Two different moments in your property journey, but the same principle underneath: the right structure from day one saves you money and stress later.
Buying your next property
We look beyond the headline rate to find a mortgage that fits your actual plans — not just today’s purchase.
- Residential investment and commercial property purchases
- First-time investor guidance through to complex portfolio purchases
- Access to specialist lenders for HMOs, MUFBs, and non-standard construction
- Stress-tested against your wider plans, not just this one deal
Refinancing what you already own
A maturing rate is an opportunity, not just a deadline. We review your whole position — not just the property up for renewal — before recommending a move.
- Rate switches, capital raising, and debt consolidation
- Portfolio restructuring across multiple properties or lenders
- Releasing equity to fund your next purchase or refurbishment
- Reviewed against current valuations, not outdated assumptions
How our clients use us to scale
A mortgage is rarely just a mortgage — it’s the next step in a bigger plan. Here’s how we help clients grow with confidence rather than one deal at a time.
A plan, not just a product
We look at where you want your portfolio to be in three to five years, and work backwards to the structure and lenders that get you there — not just what fits today’s application.
Access beyond the high street
Our relationships with specialist and challenger lenders mean options that simply aren’t available if you walk into a branch or use a comparison site — particularly for HMOs, limited company structures, and complex income.
An accountant’s eye on every deal
With 14 years in accountancy behind us, we look at structure and long-term cost — not just the headline rate — so today’s mortgage doesn’t create tomorrow’s problem.
£26.25m Refinance & Capital Raise on a £35m Property Portfolio
The Challenge
Our client, an established portfolio landlord with a diverse residential investment portfolio valued at £35m, approached Venture Finance looking to refinance their existing lending arrangements and release capital for further acquisitions. The portfolio spanned multiple properties across varying tenancy types, held within a limited company structure — creating complexity around lender appetite, valuation consistency, and stress-testing at scale.
The client needed a lender able to look at the portfolio holistically rather than property-by-property, competitive pricing given the size of the facility, and a completion timeline that wouldn’t stall their acquisition pipeline.
The Approach
Drawing on our combined accountancy and brokerage backgrounds, we started with the numbers: modelling the portfolio’s aggregate rental income, ICR coverage, and net asset position to identify which lenders would view the deal favourably at 75% LTV before a single application was submitted. This accountant’s-eye due diligence meant we could pre-empt underwriting queries rather than react to them.
We then leveraged our specialist lender relationships to source facilities structured specifically for large, multi-title portfolios — securing terms that balanced rate, arrangement fees, and flexibility for future drawdown.
The Insider’s Edge
It’s this combination — the Accountant’s Eye, the Investor’s Instinct, and the Consultant’s Reach — that lets us structure and place deals other firms simply can’t.
90% Purchase Price Term Loan for a 6-Flat Block Acquisition
The Challenge
Our client identified a block of 6 self-contained flats being sold with vacant possession, priced attractively below the sum of the individual unit values. The opportunity was time-sensitive and the client wanted to move quickly while keeping their cash deployment as low as possible — but most lenders in the multi-unit freehold block (MUFB) space cap borrowing strictly at a percentage of aggregate value, regardless of the discount available at the purchase price.
The client needed a lender willing to lend against the purchase price itself, not just the aggregate valuation, in order to make the most of the below-market entry price.
The Approach
Because the purchase price sat comfortably below the aggregate value of the six units, we were able to identify a lender structuring the facility as 90% of purchase price, provided this did not exceed 75% of the aggregate value — meaning the client benefited from the discount they had negotiated, rather than being capped purely on aggregate valuation.
As the transaction involved more than five units in a single purchase, our accountant’s-eye review also flagged that the acquisition qualified for non-residential rates of Stamp Duty Land Tax rather than the standard residential rates — a distinction many brokers and buyers overlook on block purchases of this size.
The Insider’s Edge
Spotting the SDLT treatment alongside structuring the lending around purchase price rather than aggregate valuation is exactly where the Accountant’s Eye, the Investor’s Instinct, and the Consultant’s Reach come together — turning a good deal into a genuinely efficient one.
Let’s talk about your next move
Whether it’s a first purchase, a refinance, or a portfolio you’re building over years — we’d like to hear about it.
Start Your Enquiry