Refinancing
Refinance existing loans or release capital
EUR 1–18m
We help with refinancing of any size.
Flexible terms & maturity
We adapt the term, amortisation requirements and conditions to your circumstances and the deal itself.
Digital application
Apply quickly and easily today, and receive indicative terms within twelve hours.
How does it work?
Apply digitally
Complete the application in our portal.
Indicative terms within 12 hours
We analyse the deal, gather the supporting documents and come back with a decision.
Disbursement
We send out the loan agreement, and once it is signed the loan is paid out.
What is refinancing & how does it work?
Refinancing means redeeming an existing facility and replacing it with a new one – often to improve the structure, extend the term or release capital tied up in the property. The property serves as security and the financing is adapted to its cash flow and to the purpose.
Elva restructures the financing around your situation and drives the entire process.
When does refinancing fit?
- Redeeming or restructuring an existing property loan on better terms
- Releasing capital tied up in a property ahead of new projects or acquisitions
- Extending or adapting the term to the property's cash flow
- Consolidating several loans into a clearer structure
- Covering a temporary liquidity need
Frequently asked questions about refinancing
Which properties can be refinanced?
Most property types, for example residential, commercial, industrial and public-sector property. What matters is the property's value and cash flow rather than the category.
What security is required?
Security over the property, normally in the form of mortgage deeds. Where the property is held through a company, a pledge over the shares may also be used, often combined with mortgage deeds.
How quickly do we get an answer?
Once the application is submitted, indicative terms are issued within twelve hours.
Why refinance an existing loan?
Common reasons are releasing capital tied up in the property ahead of new investments, adapting the term to the property's cash flow, or consolidating several loans into a clearer structure. Refinancing can also be relevant when an existing loan matures and needs to be replaced.