Sharpwell Files | Residential Property
52 Properties. £4.38 Million. Four Weeks. How Sharpwell Overcame the Odds to Deliver a Complex Refinance.
A demanding deadline, 52 existing property charges and complex legal obstacles: how our team solved problems, took control and drove a multi-million-pound refinance over the line.
12th October 2026
Our Residential Property Team recently acted on the £4,388,540 refinance of a portfolio of 52 residential properties located outside London. With just four weeks to complete before the mortgage offer expired, the stakes were high. Losing the agreed interest rate could have had significant financial implications for the client.
The Challenges and Solutions
52 Properties, Multiple Charges
Every property had an existing registered charge, requiring a complex redemption exercise. Our team obtained three separate sets of redemption statements, coordinating the process across the entire portfolio to ensure the refinance could proceed.
Historic Charges and Land Registry Delays
Several properties still had charges registered despite the underlying borrowing having been repaid. Rather than allowing these issues to derail the transaction, we arranged DS1 discharges and requested expedited applications from HM Land Registry.
Complex Ownership Issues
A divorce court order introduced further complications regarding the transfer of certain properties following the refinance. Our team worked through these sensitive ownership arrangements while keeping the wider transaction moving.
Extensive Lender Enquiries
A substantial volume of enquiries from the lender’s solicitors added further pressure. We proactively addressed outstanding issues, coordinated responses and maintained momentum throughout.
The Four-Week Countdown
With the mortgage offer approaching expiry, our team drove every aspect of the transaction forward, tackling obstacles as they arose and pushing relentlessly towards completion.
The Outcome
52 Properties, One Successful Refinance
Successfully completed the refinance of all 52 properties within four weeks.
Delivered Before the Deadline
Completed the transaction before the existing mortgage offer expired, protecting the client’s agreed financing terms.
Financial Interests Protected
Redeemed the existing charges and transferred the remaining refinance proceeds to the client.
Solutions-Driven from Start to Finish
Overcame complex legal obstacles through proactive problem-solving, taking ownership and delivering results under pressure.
We successfully refinanced 52 properties worth £4.38 million in just four weeks, overcoming complex legal challenges to protect the client’s financing terms and deliver completion before the mortgage offer expired.
Facing a Complex Refinance?
Speak to Sharpwell about a proactive, solutions-driven approach to your next property transaction.