Property Refurbishment Finance
From light cosmetic updates to heavy structural renovations. We secure fast, short-term finance to fund your property transformation project.
Funding Your Renovation
Standard mortgages often cannot be used if a property is deemed 'uninhabitable' or requires significant immediate work. We arrange specialist refurbishment bridging loans to cover both the purchase and the build costs:
Light Refurbishment
Usually classified as projects where no planning permission is required, and the building's
footprint or use-class does not change. This covers new kitchens, bathrooms, rewiring,
plumbing updates, and general redecoration.
Heavy Refurbishment
Projects requiring structural changes, planning permission, or building regulations. This
includes extensions, loft conversions, moving load-bearing walls, or converting a single
dwelling into multiple flats (HMO conversions).
100% Build Cost Funding
Depending on the final Gross Development Value (GDV) of the finished project, we can often
source lenders willing to fund up to 75% of the initial purchase price, and 100% of the
refurbishment costs (released in stages).
Auction Properties
Many properties bought at auction require immediate refurbishment and fast completion
(usually 28 days). We work with specialist bridging lenders who can value and fund these
distressed assets within your tight auction deadlines.
Your Exit Strategy is Crucial
Refurbishment finance is short-term (usually 6-18 months). Lenders will scrutinise your 'exit strategy'—how you plan to repay the loan. Whether your goal is to "flip" (sell the finished property for profit) or "retain" (refinance onto a long-term Buy-to-Let mortgage), we structure the finance to match your ultimate goal.