The clever way to refinance a residential Buy-to-Let property portfolio (Sponsored)

Sep 24, 2020

ICS Mortgages are now the leading provider of new Buy-to-Let residential mortgage financing in Ireland. In addition to providing mortgages for Buy-to-Let property purchase, they have extensive experience in refinancing residential property portfolios. It can either be a straight refinance or include equity release in order to grow the portfolio.  

Their standard refinancing solutions are open to all applicants and a tailored portfolio refinance option is available to those refinancing a minimum of two properties with a minimum total loan value of €1.5 million. They offer no cross security which allows for easier portfolio management and lend on mixed-use units, where there is a residential portion of the property.

Each client is looked after by one of their professional Buy-to-Let Lending Managers who ensure the process is streamlined and efficient.

 They lend to:

  • Individuals (up to four individuals on a mortgage);
  • Companies (including Special Purpose Vehicles); and
  • Pensions (Unit Trusts).

Key product features include:

  • 5 to 15-year interest-only option;
  • 5 to 25-year capital and interest option;
  • 35-year flexi-mortgage (1 to 10-year interest-only with remaining term on capital and interest up to 35 years);
  • Variable rates from 3.75%;
  • Finance is available for multi-units/Pre-’63; and
  • Up to 70% loan to value.

Why do residential property investors refinance their Buy-to-Let portfolios?

  1. They are on terms with their existing lenders that are coming to an end. (For example, an interest-only period that is due to expire.)
  2. They are looking to release equity to purchase additional properties to add to their portfolio.
  3. They are looking for a more competitive offering.
  4. They may have inherited a property and need to release equity to assist with tax liabilities.
  5. They are coming up to a break clause with their existing lender.
  6. They may have unencumbered properties and they wish to release equity.

ICS Mortgages have received several industry awards for their innovative mortgage products and service delivery, including Best Mortgage for Property Investment 2019 awarded by Association of Irish Mortgage Advisers, and Excellence in Mortgage Service 2019 award voted by Brokers Ireland.

The company has recently produced a comprehensive guide on Buy-to-Let refinance. It includes case studies on some of the solutions they have provided. You can download this for free at

For more information contact ICS Mortgages on 1890 427 427, email or contact your local mortgage broker. 

Product details and rates are correct as at 24.09.20 and are subject to change.  
Lending Criteria, Terms and Conditions apply.
Dilosk DAC, trading as Dilosk and ICS Mortgages, is regulated by the Central Bank of Ireland.


(This article is sponsored by ICS Mortgages.)