Refurbishment bridging loans.
Short-term funding for property improvement projects, built around clear decisions and controlled delivery.
What sets our refurbishment bridging apart?
Fast-Moving Deals
Refurbishment projects stall without funding in place. We make credit-backed decisions in hours and release funds to keep work moving.
Flexible Terms
From light refreshes to heavy structural works, loans are structured around the scope of works, cost profile and exit strategy.
Reliable Decisions
Our decision-makers assess the property's potential, not just its current condition. If we commit, we'll fund to completion.
Key product information.
Rate
From 0.89%
with pricing shaped by the project scope and borrower experience.
LTV
Up to 75%
based on the property, borrower and exit strategy. We lend up to 70% LTGDV.
Term
3-24 months
with options for serviced or retained interest to match project cash flow.
Loan Size
£100K – £10m
for refurbishment projects across the UK.
Arrangement Fee
From 1%
with clarity agreed upfront, with no hidden extras.
Ideal scenarios.
- Light refurbishment before sale or refinance
- Heavy refurbishment, including structural alterations
- Converting single units to HMOs or MUFBs
- Updating properties to improve value and lettability
- Improving EPC ratings to meet regulatory or rental requirements
Available for.
- Residential investments (single units, HMOs, MUFBs)
- Semi-commercial properties
- Properties in England, Wales & Scotland
- Experienced and first-time investors
- Foreign nationals
Real deals, real results.
From quick cosmetic upgrades to full-scale transformations, see how we’ve funded refurbishment projects that delivered strong returns for clients.
Refurbishment bridging FAQs.
Yes. Our refurbishment bridging loans cover everything from light cosmetic works to full structural refurbishments, assessed on scope, cost and exit strategy.
Initial funding is released promptly once terms are agreed and completion requirements are met.
Drawdowns are structured to align with the project timeline and cost schedule.
Yes. In some cases, we can fund up to 100% of refurbishment costs, depending on deal structure and security.
A main contractor is preferred but not always mandatory. Each project is assessed individually based on scale, experience and risk profile.
Yes. We consider uninhabitable properties, provided there is a clear refurbishment plan and viable exit strategy.
The maximum LTV is typically up to 75%.
We will also consider lending based on after-refurbishment value (LTGDV) where appropriate.
Yes. We support refurbishment projects where planning gain contributes to value uplift, provided the exit strategy is credible.
Yes. We can structure funding to cover both purchase and refurbishment within a single bridging solution.
Need a quick decision? Send your case over.
We respond to refurbishment loan enquiries quickly, often within hours. You can also speak to our team if it helps move things forward.
You’ll get a clear yes, no, or next step. If the project stacks up, we’ll back it.