Refinancing UK Social Housing & Specialist Supported Housing: A 2025 Guide

Options up to 80% LTV • Indicative rates from 4.9% at 75% LTV • Interest-only structures • Yield-based valuations

Why Refinance?

• Portfolio Expansion – release equity to acquire new high-yield assets
• Capital Release – free cash for upgrades or acquisitions
• Improved Cash Flow – interest-only and optimised repayment options
• Access to Better Rates – reduce outgoings with competitive terms
• Tax Efficiency – align financing with Trust or REIT-ready structures

Specialist Support for Government-Leased Income

Refinance structures should respect CPI-linked, government-backed leases. Look for lenders and brokers who underwrite based on lease strength and yield, not just bricks-and-mortar valuation.

• Interest-only refinancing to maximise cash flow
• Portfolio remortgages across multiple tenanted properties
• Funding for acquisitions, conversions, or developments
• Fast-track valuations based on income covenant strength

What You’ll Need

• Lease agreements and terms (incl. CPI indexation)
• Current rent schedules and arrears status
• Valuation reports and EPC/Compliance docs
• Operator/management details and track record