Refurbishment bridging loans.
Fast, flexible funding for property improvement projects.
What sets our refurbishment bridging apart?
Fast-Moving Deals
Refurbishment projects stall without the right funding in place. We make decisions in hours, with funds in days so work can start quickly.
Flexible Terms
From light refreshes to heavy structural changes, we structure our loans to fit the project - not the other way around.
Reliable Decisions
Our decision-makers look at the potential of a property, not just its current condition. If we commit, we'll fund to completion.
Key product information.
Rate
From 0.99%
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 for resale or refinance
- Heavy refurbishment, including structural alterations
- Converting single units to HMOs or MUFBs
- Updating properties to meet modern standards and add value
- Improving EPC ratings, to attract higher rents and meet legal requirements
Available for.
- Residential investments (single units, HMOs, MUFBs)
- Mixed-use 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 work to full structural refurbishments.
Refurbishment loan drawdown times are fast, with initial funds released quickly to keep projects moving.
We offer bridging loans that can fund up to 100% of refurbishment costs, depending on project specifics.
While preferred, having a main contractor in place is not always mandatory. We assess each refurbishment deal individually.
Yes, we provide bridging loans on uninhabitable properties, as long as there is a viable exit plan.
Our refurbishment bridging loans generally offer up to 75% LTV. We will also consider loans based on the property’s after-refurbishment value (LTGDV).
Yes, we support planning gain bridging loans where the value uplift from planning permission enhances the asset, as long as the exit strategy is suitable.
We can combine auction and refurbishment bridging loans to fund both purchase and renovation within one solution.
Need a quick decision? Send your case over.
We respond to refurbishment loan enquiries quickly, often within hours. You can also reach out to our team directly.
You’ll get a clear yes, no, or next step. If the project stacks up, we’ll back it.