Paragon Bank has helped a landlord refinance a complex 77‑property portfolio and save £280,000 over five years.

The case involved an experienced landlord working with broker Robert Haddrick, of Bell Mortgage Solutions, who wanted to refinance a large and diverse portfolio. By consolidating the borrowing into a single multi‑property application with Paragon, the landlord will be able to make big savings compared to staying with his current lender.

Paragon says it reflects efficiencies that can be achieved when structuring larger portfolio cases through a single application. Its multi-property portfolio proposition includes free valuations on every property, a dedicated underwriter managing one application from start to finish and a single independent legal advice certificate across the whole portfolio rather than per property, delivering further savings for landlords.

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The proposition allows landlords to include between four and 99 properties within a single application, offering the ability to blend products across the full range and complete properties at different times.

This structure is designed to simplify complex cases while maintaining flexibility for portfolio landlords, reducing both cost and administrative burden for brokers and their clients. The case was supported by a single underwriter overseeing the application through to completion.

Stephen Harrison, business development manager at Paragon Bank, explains: “This 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. The level of saving achieved reflects how important it is to look at the full portfolio rather than treating each property in isolation.”

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