TWP, a member of The Corporate Finance Network in the South-East with head office in Weybridge, has supported a long-standing client to secure a more flexible finance structure for their multi-million-pound property portfolio.
Following changes in UK interest rates in 2022, the client experienced a significant increase in borrowing costs by 2025. No strategic review had been undertaken by their existing lender, and no suitable hedging strategy had been offered to mitigate the interest rate risk. Having previously been forced to sell part of the portfolio when rates rose before, the business owner wanted to avoid facing the same outcome again and needed expert guidance to protect the portfolio more effectively.
The client discussed the situation with their accountant, Philip Munk, Partner at TWP Accounting, who introduced them to Capitalise in June 2025. Quin Noble of Capitalise reviewed the client’s requirements and searched the lending market for a suitable solution. Given the international element of the portfolio, the pool of suitable lenders was limited, and Barclays Bank was ultimately selected as the preferred funding partner.
TWP and Capitalise worked together over several months of negotiation, coordinating closely with the lender given the size and complexity of the transaction. A key part of the solution was a more flexible structure than the client had initially expected, with Barclays agreeing to split the facility across two loan IDs, placing half on a fixed rate and half on a variable rate.
The refinancing completed at the end of June 2026, giving the business owner greater certainty and control over the portfolio’s future financing.
