Yes, it’s possible, but it needs planning. Refinancing multiple properties at once usually triggers portfolio underwriting with many lenders, meaning they assess the wider portfolio rather than treating each property in isolation. This can be a strength if your portfolio is well-managed, but it also increases documentation and the importance of sequencing.
Lenders often want a portfolio schedule showing property values, mortgage balances, rental income, lender exposure, and property types. They may stress test rental coverage at a notional interest rate and consider overall leverage and liquidity. Some lenders also have exposure caps, so refinancing everything with one lender may not be possible or optimal.
Where high net worth investors often benefit is having the liquidity and assets to support a structured plan, but the key is aligning the lender route with your strategy. Are you raising capital for purchases? Are you reducing rate exposure? Are you moving properties into a limited company? Are you restructuring interest-only borrowing? Each goal changes which lenders are suitable and what evidence is needed.
In practice, the smoothest approach is often to group properties by lender fit and refinance in an order that supports your next step. Doing it without a plan can create delays, duplicate valuation costs, and underwriting friction. Done properly, it can unlock capital and simplify your portfolio structure.
Hearthstone Mortgages is a trading name of Hearthstone Advisory Limited (Company Number 10563329) and is authorised and regulated by the Financial Conduct Authority (FCA Reference Number 945282).
Registered office: Europa House, Marsham Way, Gerrards Cross, Buckinghamshire, SL9 8BQ.
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