Case Study · United Kingdom

HNWI purchases residential portfolio for investment

30 June 2022

HNWI purchases residential portfolio for investment

A high net worth individual (HNWI) in London saw a unique opportunity to expand their investment portfolio by purchasing a residential property portfolio. With a keen eye for investment opportunities and a deep understanding of the London real estate market, the HNWI saw the potential for strong returns on their investment. They leveraged their financial resources to secure funding for the purchase, with the goal of generating long-term rental income and capital appreciation. The HNWI’s strategic purchase not only diversified their investment portfolio, but also added a new source of passive income to their financial portfolio. With a wise investment strategy and a smart choice of property, the HNWI is set to reap the benefits of their investment for years to come.

  • Location: London
  • Market Value: £3,450,000
  • Loan Amount: £2,230,161
  • Loan-to-Value: 64.64%
  • Duration of Loan: 9 Months
  • Payment Schedule: Monthly
  • Asset Type: Residential Portfolio
  • Completion Time: 2 weeks

← Back to Case Studies

Get Funding Approval Within 24 Hours

Speak with our specialists about your bridging requirements.

Contact Us

FAQ

Can Rikvin Capital fund a HNWI buying a UK residential portfolio?

Yes. The London case here lent £2.23 million against a £3.45 million residential portfolio (64.64% loan-to-value) in 2 weeks. Multi-property residential portfolios are well-suited to a single combined loan rather than separate loans on each unit, which usually unlocks more total capital.

How is a residential portfolio loan structured?

As a single loan secured against the whole portfolio, with first charge on each property. We assess combined cash flow (existing rental income or projected rents) and combined market value. This is faster, cheaper and more flexible than separate loans on each unit.

How is the loan typically exited?

Common exits are: refinance into a long-term portfolio buy-to-let mortgage once rental income is established, sale of the portfolio, or refinance into a specialist landlord facility. The London HNWI here had a 9-month term, giving room for refinance once the portfolio was settled.