From a casual referral by a Letting Change agent to the chosen mortgage broker its grew to a rather large case.

I thought it may be interesting to share this as a case study :

Case Study: Mortgage & Protection Review for

Mr xxxxx

Introduction

This case study outlines the comprehensive mortgage and protection review undertaken for Mr xxxxxx  long-standing landlord clients with a multi-property buy-to-let portfolio. The

work spanned late 2025 through early 2026 and involved detailed mortgage restructuring,

product transfers, refinancing, regulatory compliance, and ongoing client support.

The core objectives were to:

• Review and restructure existing borrowing across multiple properties

• Secure competitive long-term mortgage solutions ahead of product expiries

• Raise capital where appropriate for future plans and property improvements

• Meet FCA Consumer Duty requirements through a concurrent protection and insurance

review

• Ensure smooth legal completion across several complex transactions

Scope of Work Undertaken

1. Comprehensive Mortgage Review

A full review was conducted across nine mortgaged properties, identifying a combination of:

• Existing mortgage products nearing expiry

• Opportunities for product transfers with existing lenders to avoid revert-to-SVR risk

• Properties suitable for remortgage to raise capital and improve long-term certainty

Properties reviewed included:

• xx Martin Street

• x Slate Street

• xx Clase Road

• xx Clase Road

• xxxx Neath Road

• x Rock Terrace

• xxx Glanmor Road

• xx Tirpenry Street

• xx Bartley Terrace

Each mortgage was assessed individually, taking into account:

• Interest rate exposure

• Loan-to-value constraints following updated valuations

• Lender criteria for portfolio landlords

• The most cost-effective route (product transfer vs remortgage)

2. Product Transfers with Kent Reliance

Where adviser-led remortgaging was not required, product transfer solutions were secured to

provide continuity and cost efficiency.

• Multiple Kent Reliance mortgage accounts were switched to new fixed-rate products

• This avoided any automatic reversion to higher variable rates

• No legal work or valuation costs were incurred on these cases

• All documentation was managed and fully signed within required timeframes

This ensured rate certainty and stability without unnecessary transaction costs.

3. Remortgaging with The Mortgage Lender (TML)

For five properties, full remortgaging was recommended and successfully completed with The

Mortgage Lender, involving:

• Portfolio underwriting

• Valuations on each property

• Submission of portfolio schedules, ID, tax documentation, and supporting evidence

• Ongoing liaison with underwriters to address valuation impacts and revised borrowing

limits

• Acceptance of adjusted loan amounts following down-valuations

Completed remortgages achieved the following borrowing levels:

Property Maximum Borrowing Secured

xx Martin Street £86,250

x Slate Street £67,500

xx Clase Road £86,250

xx Clase Road £78,750

xxxx Neath Road £82,500

Total additional borrowing raised: approximately £142,992

This capital provided flexibility for home improvements and longer-term portfolio planning

without resorting to short-term or unsecured borrowing.

4. Legal & Case Management Oversight

Due to cost transparency and client experience concerns, the originally proposed conveyancer

was replaced.

• Legal instructions were moved from Convey Law to O’Neill Patient Solicitors LLP

• This avoided unnecessary optional fees and additional uplifts

• All five conveyancing cases were carefully coordinated to reach completion

• Outstanding solicitor queries, mortgage deeds, building insurance evidence, and title

issues were proactively resolved

The coordination avoided delays and ensured all remortgages completed successfully.

5. Consumer Duty & Protection Review

Alongside the mortgage work, a Consumer Duty review was conducted in line with FCA

expectations.

This included:

• Requesting and reviewing existing protection policy schedules

• Confirming cover types, ownership structures, and suitability

• Ensuring the ongoing advice service and rationale for recommendations were clearly

documented

• Recording client decisions and outcomes to ensure a full compliance audit trail

This ensured the mortgage advice was delivered holistically, not in isolation.

Outcomes & Value Delivered

Completed Outcomes

• ✅ Multiple product transfers completed without disruption

• ✅ Five complex remortgages successfully completed

• ✅ Capital raised of ~£142,992

• ✅ Long-term fixed-rate certainty secured

• ✅ Legal work completed efficiently across multiple files

• ✅ Consumer Duty obligations met and documented

Savings and Financial Benefits

While exact month-by-month savings cannot be precisely quantified from file notes alone, the

following clearly evidenced benefits were achieved:

• Avoidance of SVR reversion: Mortgage products that were due to end were proactively

addressed, preventing automatic reversion to significantly higher variable rates.

• Rate certainty: Five-year fixed products reduced exposure to market volatility.

• Fee efficiency: Product transfers avoided valuation and legal costs entirely.

• Legal cost control: Switching solicitors prevented avoidable add-on charges.

• Capital efficiency: Refinancing allowed funds to be released at mortgage rates rather

than higher-cost alternatives.

These outcomes together delivered both short-term cashflow stability and long-term financial

resilience for the clients.

Conclusion

The work undertaken for Mrxxxx demonstrates a high level of proactive advice,

technical mortgage management, and regulatory care across a complex portfolio landlord case.

Through structured planning, lender negotiation, and hands-on case management, the clients:

• Secured certainty across multiple properties

• Released capital for future needs

• Avoided unnecessary rate increases and hidden costs

• Received advice aligned with both their objectives and FCA Consumer Duty expectations

This case exemplifies the value of ongoing, adviser-led mortgage and protection oversight for

portfolio clients.

Case Study

Portfolio Landlord Mortgage Restructuring & Capital Raising

Client: Mr xx

Property Type: Buy-to-Let Portfolio

Service Provided: Portfolio Review, Remortgaging, Product Transfers, Ongoing Advice

The Client Brief

Mr xxxx is an  experienced landlord with a large buy-to-let property portfolio. Several

mortgages were approaching the end of their fixed rates, creating exposure to higher interest

costs and uncertainty.

Their objectives were to:

• Secure competitive long-term mortgage rates

• Avoid unnecessary costs and rate increases

• Raise capital where appropriate for future plans

• Receive clear, ongoing advice across their entire portfolio

Our Approach

We carried out a full portfolio review, assessing each property individually to determine the most

cost-effective and suitable solution.

Rather than applying a single solution across the board, we:

• Identified properties best suited to product transfers, avoiding legal and valuation costs

• Recommended full remortgages where longer-term value or capital raising justified it

• Carefully managed lender criteria, valuations, and underwriting requirements

• Provided ongoing support throughout the legal process to ensure smooth completion

This proactive, tailored approach ensured the clients received advice that was both commercially

sensible and cost-efficient.

The Solution

✅ Product Transfers

Several properties were retained with the existing lender via new fixed-rate product transfers,

securing:

• Rate certainty

• No legal fees

• No valuations

• A smooth and fast transition onto new deals

✅ Portfolio Remortgaging

Five properties were remortgaged with a specialist buy-to-let lender, achieving:

• Competitive long-term fixed rates

• Careful management of valuation changes

• Approximately £143,000 released for future use

✅ End-to-End Case Management

We oversaw the entire process, including:

• Lender liaison

• Managing underwriting queries

• Coordinating legal work across multiple properties

• Ensuring transactions completed efficiently and on time

The Result

• ✔ Multiple mortgages secured on new fixed-rate deals

• ✔ Significant exposure to higher variable rates avoided

• ✔ Approx. £143,000 capital released

• ✔ No unnecessary legal or valuation costs on retained properties

• ✔ A streamlined, stress-free process across a complex portfolio

Most importantly, Mr xxxx now have long-term certainty, improved cashflow planning,

and confidence that their portfolio is structured correctly.

Why This Matters

Portfolio landlords face increasingly complex lending criteria and rising costs. Having an adviser

who can:

• Review the whole portfolio

• Identify the right solution per property

• Proactively manage lenders and solicitors

…can make a substantial financial difference.

Looking for Expert Portfolio Advice?

If you own one property or several, we provide clear, proactive mortgage advice tailored to

landlords — helping you protect your portfolio, reduce risk, and plan ahead with confidence.

📩 Get in touch to arrange a no-obligation portfolio review.

And of course referral fees per mortgage are payable to the Letting Change agent involved - possibly the easiest money we can earn!

The Mortgage broker direct line is 0330 094 9409

helpline see here - https://lettingsadviceservice.co.uk/

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