---
title: Buy-to-let finance for an inherited property portfolio | Clarendon Private Finance
description: A joined-up bridge-to-buy-to-let strategy for a first-time landlord acquiring an inherited portfolio.
image: https://www.clarendonprivatefinance.co.uk/hubfs/raw_assets/public/clarendon-private-finance/assets/images/buy-to-let.jpg
---

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Case study

Buy-to-let finance

# Buy-to-let finance for an inherited property portfolio

Finance secured**£1.18m**

ClientFirst-time landlord

FinanceBuy-to-let finance

![Editorial rental property representing buy-to-let finance](https://www.clarendonprivatefinance.co.uk/hubfs/raw_assets/public/clarendon-private-finance/assets/images/buy-to-let.jpg)

The objective

To acquire an inherited three-property portfolio from receivership, complete the necessary works and transition the assets onto long-term buy-to-let finance.

The inherited portfolio required work before it could become a viable rental investment, while the client was new to property investment.

Transaction story

Every case study is anonymised and describes a historic transaction. It is provided for general information only.

Client

First-time landlord

Finance

Buy-to-let finance

## The context

The inheritance marked the client’s first step into property investment. Rather than disposing of the properties, they saw an opportunity to retain the three-property portfolio and improve the underlying assets.

The properties were in receivership and each required compliance and refurbishment works before being brought to the rental market. The immediate priority was to acquire the portfolio and complete the works, with an intention to move towards long-term ownership once it was ready.

## What needed to be considered

The client’s lack of landlord experience was an important part of the lending picture, particularly while the properties remained in their existing condition.

Initial finance had to accommodate acquisition and refurbishment, while the eventual exit needed to reflect the completed properties and the client’s emerging position as a landlord.

## Our approach

We structured initial funding around the transformation required across the portfolio, enabling the client to acquire the properties from receivership and undertake the necessary works.

The long-term buy-to-let exit was considered alongside the initial bridge rather than as a separate exercise. We worked with a trusted lending partner from the outset, presenting the client’s circumstances and the portfolio within the proposed investment strategy.

As the properties progressed towards a compliant, lettable standard, the bridge was refinanced into a £1,181,076 buy-to-let facility at 75% LTV over 25 years.

## The outcome

The £1.181m buy-to-let facility repaid the bridging finance and provided a 25-year funding structure across the portfolio, allowing the client to retain the properties as income-producing assets.

What began as an inherited portfolio in receivership was transformed into three properties positioned for long-term investment, providing a stronger platform for future opportunities.

Why a private client approach mattered

This was not simply a case of arranging finance against three properties. The client’s circumstances, the condition of the assets and their lack of previous landlord experience all formed part of the funding picture.

Considering the portfolio as a long-term investment from the outset meant the bridge and eventual buy-to-let facility could be structured as parts of the same strategy.

Related expertise

[Buy-to-let finance](https://www.clarendonprivatefinance.co.uk/services/buy-to-let-finance?hsLang=en-gb)[Bridging finance](https://www.clarendonprivatefinance.co.uk/services/bridging-finance?hsLang=en-gb)

Continue reading

## Bridging finance for a North London mixed-use acquisition

[Next case study](https://www.clarendonprivatefinance.co.uk/case-studies/north-london-mixed-use-bridging-acquisition?hsLang=en-gb)

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Clarendon Private Finance is a mortgage intermediary and not a lender; the firm acts for the benefit of its customers to organise applications to mortgage lenders. Clarendon Private Finance achieves this by researching the relevant mortgage market to assess available loans that meet the financial needs and objectives of our customers and arranging for an application to be submitted to the chosen lender in order to effect the drawdown of mortgage funds secured against a UK property. Clarendon Private Finance is not tied to any one mortgage lender but can research a wide variety of lenders, In certain circumstances we are able to research the whole of market while in other cases it is against a panel of lenders; details of our scope will be provided at initial engagement, Clarendon Private Finance receives a commission payment for any loan we submit to a lender that results in a drawdown of funds; specific details on the amount and basis of commission will be disclosed at our initial engagement as well as via the mortgage contract offer or facility letter. Clarendon Private Finance is a trading name of Aria Finance Limited. Aria Finance Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 302964). Certain types of loans are not regulated, for example loans for business purposes or certain buy-to-lets. Registered in England and Wales. Registered office at The Edward Hyde Building, 38 Clarendon Road, Watford, WD17 1JW. Company Number: 04440152.

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