Case snapshot
- Facility
- Buy-to-let mortgage
- Loan amount
- £1.8m
- Loan-to-value
- 70%
- Rate
- 3.62% fixed for 2 years
- Location
- Buckinghamshire
- Outcome
- Over £10,000 a month saved in interest
The Market Context
The high-end property market has been sticky over recent years. Even beautifully finished homes are taking longer to sell - a major issue for developers holding expensive short-term finance.
At P10 Financial Group, we specialise in high-value transactions where structure, timing, and strategy make all the difference. This Buckinghamshire case was no exception.
The Client Brief
Our client had developed three luxury homes, each valued at over £3 million. Like much of the market, they faced extended sale times once construction completed.
Two problems quickly emerged:
The compound interest on their development finance was eroding equity.
In an effort to accelerate sales, prices were being reduced - cutting into profits.
The client needed a way to relieve the pressure of high development finance costs, avoid forced price reductions, and buy time for the sales market to recover.
The Solution
Working in collaboration with our in-house tax advisory team, we created a new group structure that enabled the asset to be transferred into a Special Purpose Vehicle (SPV) without incurring stamp duty.
P10 then structured and secured a £1.8 million buy-to-let mortgage with the following terms:
Loan-to-Value: 70%
Product: 2-Year Fixed Rate
Interest Rate: 3.62%
This single change transformed the client’s monthly position:
Previous finance cost: £15,000 per month
New mortgage cost: ~£5,000 per month
Monthly interest saving: £10,000+
Rental income added: further improving cash flow
The overall impact was a £19,000 positive swing in monthly cash flow.
The Outcome
By refinancing rather than selling, our client achieved:
£10,000+ monthly interest savings
Avoided £340,000 in stamp duty
Preserved £500,000+ in property value uplift
In total, around £900,000 of net benefit over three years — achieved through structure, not speculation.
At this level, the numbers are too significant to leave to chance. The difference between selling under pressure and banking an additional £900k isn’t luck — it’s planning. That’s what we deliver: finance that gives clients time, options, and control.
Market Insight
This challenge extends well beyond Buckinghamshire. Across London and the Home Counties, liquidity in the upper-tier residential market remains tight. Buyers are cautious, and holding costs are high.
For many developers, the smartest move is not to sell, but to hold, rent, and wait — provided the structure and finance are right. That’s where P10 adds value: by creating the breathing room needed to ride out the cycle and maximise returns.
