{"id":11526,"date":"2026-07-09T11:02:43","date_gmt":"2026-07-09T11:02:43","guid":{"rendered":"https:\/\/second-home.uk\/?p=11526"},"modified":"2026-07-09T11:02:43","modified_gmt":"2026-07-09T11:02:43","slug":"portfolio-landlord-saves-280000-on-77-property-refinance","status":"publish","type":"post","link":"https:\/\/second-home.uk\/?p=11526","title":{"rendered":"Portfolio landlord saves \u00a3280,000 on 77-property refinance"},"content":{"rendered":"<p>Paragon Bank has completed the refinancing of a 77-property portfolio through its multi-property proposition, with the transaction expected to save the landlord approximately \u00a3280,000 over five years compared to their previous lending arrangement.<\/p>\n<p>The case involved an experienced portfolio landlord working with broker Robert Haddrick of Bell Mortgage Solutions. The client consolidated borrowing into a single multi-property application, rather than managing separate mortgages across the portfolio.<\/p>\n<h2>Consolidated application structure<\/h2>\n<p>Paragon\u2019s multi-property proposition allows portfolio landlords to include between four and 99 properties within a single application. The structure includes free valuations on every property, a dedicated underwriter managing the application from start to finish, and a single independent legal advice certificate across the portfolio rather than per property.<\/p>\n<p>The approach reflects broader changes in the buy-to-let sector, where <a href=\"https:\/\/www.propertywire.com\/news\/uk\/five-million-uk-households-to-face-higher-mortgage-costs\/\">mortgage costs remain a key consideration for landlords<\/a> managing larger portfolios. The proposition allows borrowers to blend products across Paragon\u2019s range and complete properties at different times.<\/p>\n<p>\u201cFor a portfolio of this size, the ability to place everything within a single application made a real difference,\u201d said Robert Haddrick, broker at Bell Mortgage Solutions. \u201cThe process was straightforward considering the scale, and the overall outcome delivered a clear financial benefit for the client.\u201d<\/p>\n<\/p>\n<h2>Underwriting approach<\/h2>\n<p>The case was managed by a single underwriter throughout the application process. Stephen Harrison, business development manager at Paragon Bank, described the case as complex and large-scale.<\/p>\n<p>\u201cThis was a complex, large-scale case, but by taking a portfolio-wide approach we were able to structure a solution that delivered a strong overall outcome for the client,\u201d Harrison said. \u201cThe level of saving achieved reflects how important it is to look at the full portfolio rather than treating each property in isolation.\u201d<\/p>\n<p>Harrison noted that cases of this size are sometimes associated with specialist or niche lenders, but said the transaction demonstrated what could be achieved through a prime proposition with appropriate structure and support.<\/p>\n<p>The transaction comes as <a href=\"https:\/\/www.propertywire.com\/news\/uk\/property-sellers-expect-agent-responses-within-24-hours\/\">landlords and property professionals face increasing pressure<\/a> to streamline operations and reduce costs. The consolidation of multiple properties into single applications represents one approach to managing administrative burden while potentially reducing overall borrowing costs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Paragon Bank has completed the refinancing of a 77-property portfolio through its multi-property proposition, with the transaction expected to save the landlord approximately \u00a3280,000 over five years compared to their previous lending arrangement. The case involved an experienced portfolio landlord working with broker Robert Haddrick of Bell Mortgage Solutions. The client consolidated borrowing into a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2805,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[2],"tags":[],"class_list":["post-11526","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-second-home"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Portfolio landlord saves \u00a3280,000 on 77-property refinance - Second Home<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.propertywire.com\/news\/uk\/portfolio-landlord-saves-280000-on-77-property-refinance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Portfolio landlord saves \u00a3280,000 on 77-property refinance - Second Home\" \/>\n<meta property=\"og:description\" content=\"Paragon Bank has completed the refinancing of a 77-property portfolio through its multi-property proposition, with the transaction expected to save the landlord approximately \u00a3280,000 over five years compared to their previous lending arrangement. The case involved an experienced portfolio landlord working with broker Robert Haddrick of Bell Mortgage Solutions. The client consolidated borrowing into a [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.propertywire.com\/news\/uk\/portfolio-landlord-saves-280000-on-77-property-refinance\/\" \/>\n<meta property=\"og:site_name\" content=\"Second Home\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-09T11:02:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/second-home.uk\/wp-content\/uploads\/2025\/08\/0b3f9045-d33e-45b5-a40b-bbe641d9b332_baadd75d.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"682\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/news\\\/uk\\\/portfolio-landlord-saves-280000-on-77-property-refinance\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/second-home.uk\\\/?p=11526\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/second-home.uk\\\/#\\\/schema\\\/person\\\/4d1b4955add7c14742a3be9aaae12292\"},\"headline\":\"Portfolio landlord saves \u00a3280,000 on 77-property refinance\",\"datePublished\":\"2026-07-09T11:02:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/second-home.uk\\\/?p=11526\"},\"wordCount\":360,\"image\":{\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/news\\\/uk\\\/portfolio-landlord-saves-280000-on-77-property-refinance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/second-home.uk\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/0b3f9045-d33e-45b5-a40b-bbe641d9b332_baadd75d.jpg\",\"articleSection\":[\"Second Home\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/second-home.uk\\\/?p=11526\",\"url\":\"https:\\\/\\\/www.propertywire.com\\\/news\\\/uk\\\/portfolio-landlord-saves-280000-on-77-property-refinance\\\/\",\"name\":\"Portfolio landlord saves \u00a3280,000 on 77-property refinance - 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