Overcoming Credit Challenges to Secure a £1M+ Portfolio Refinance

Supporting a professional landlord with a substantial commercial and residential portfolio in completing the refinance of seven buy‑to‑let properties in Liverpool.

The Challenge

This wasn’t a straightforward application. The client had an historic company liquidation in the background. Although they were only a shareholder at the time (not a director), it still triggered lender scrutiny.

On top of that, the lender required the removal of another individual as both director and shareholder before they would consider proceeding.

To add to the complexity, after initially approving the securities, the lender’s credit team raised concerns around regional exposure limits and suggested pulling back on the full set of seven properties.

Solution

Ben Gauci pushed back firmly but constructively with credit, referencing:

• Their original approval
• The client’s strong profile
• Additional supporting evidence to mitigate perceived risks

Through ongoing dialogue and challenge, Ben was able to secure agreement on all seven securities as originally proposed.

Finance

The client successfully refinanced their residential portfolio with:

• £1,036,775 total lending

This provided stability, improved long‑term planning, and ensured the client could continue expanding their portfolio with confidence.

Client Feedback

“Outstanding Mortgage & Bridging Broker – Highly Recommended.”

“I had an excellent experience with Cornerstone Finance Group. Ben was outstanding throughout – professional, knowledgeable, and always quick to respond. The whole process was smooth and stress-free, and I’d highly recommend Ben and the team to anyone looking for reliable and responsive service.”