Portfolio Restructuring

Strategic Portfolio Restructuring for Experienced Property Investors & Landlords

Book your free 30-min call with one of our financial advisers at a time that best suits you

Book an appointment

Unicorn Commercial Finance provides bespoke portfolio restructuring for professional investors, landlords, and property companies across the UK.
Whether you’re consolidating lending across multiple assets, releasing equity for growth, or repositioning your portfolio for long-term efficiency, our team delivers strategic, data-driven funding solutions tailored to your objectives.

What Portfolio Restructuring Means
Portfolio restructuring is more than refinancing — it’s a complete review of your property holdings to optimise debt, yield, and flexibility.
By analysing your current loan structures, rates, and valuations, we identify opportunities to reduce costs, improve leverage, and release trapped equity that can be redeployed into new projects.


When to Consider Portfolio Restructuring

  • Interest Rate Increases – Rebalance loans to maintain profitability.
  • Equity Release for Growth – Unlock capital from existing assets for expansion.
  • Consolidation – Move multiple properties under one lender or facility for efficiency.
  • Tax & SPV Planning – Align lending with your corporate or trust structure.
  • Exit Planning – Prepare portfolios for sale, inheritance, or investment partnership.


Our Approach
We take a consultative, strategic view of every portfolio.
Our process includes:

  1. Reviewing valuations, income, and loan terms.
  2. Identifying inefficiencies, lender overlaps, and rate anomalies.
  3. Structuring an optimised lending framework across your holdings.
  4. Managing all refinance or equity-release negotiations with our network of private, specialist, and institutional lenders.

Our aim is simple — to help experienced investors make their portfolios more profitable, flexible, and future-ready.


Why Choose Unicorn Commercial Finance

  • Award-winning UK brokerage with expertise in multi-asset portfolio finance.
  • Direct access to high-street, challenger, and private lenders.
  • Strategic rather than transactional — we advise, model, and execute.
  • Proven results in reducing borrowing costs and improving liquidity.
  • Discretion and confidentiality assured throughout every engagement.


Maximum borrowing

We carefully assess your income to get you the maximum loan size.

Explore all avenues

We’ll look at things from all different angles to find the most suitable mortgage for you.

Communication is key

We’re big on communication so you can rest assured you’ll be updated every step of the way.

5 Reasons Why You Can Rely on Unicorn:

1. You will have a dedicated advisor and you will deal with that one broker from start to finish.

2. Your expert advisor will be on-hand to guide you throughout the whole process and will always be just a phone call or a WhatsApp away.

3. No question is too big or too small - for us it’s important that you fully understand your options and enjoy the process, so please ask away!

4. We understand that time is of the essence, and we work hard to turn things around in the quickest time possible

5. When you become a client of Unicorn Commercial Finance you become a part of The Unicorn Group. This means you’ll have access to expertise across all of our financial services brands.