PROPERTY REFURBISHMENT

Add value.
Transform property.

Finance for properties that need work before they can be let or sold. We arrange purchase plus works funding for both light cosmetic refurbishments and full structural renovations.

Discuss Your Project 01772 217917

Light & Heavy Refurb

Purchase + Works

BTL Exit Route

No Monthly Payments

Light refurb vs heavy refurb

Light refurbishment

Cosmetic improvements that do not require planning permission or structural work. New kitchen, bathroom, redecoration, flooring, garden tidying. Generally completed within 6 months. Many bridging lenders offer specific light refurb products with competitive rates.

Heavy refurbishment

Structural changes such as extensions, loft conversions, reconfiguring layouts, underpinning, or full rewiring and replumbing. Often requires planning permission and building regulations sign-off. Funded through specialist refurb bridging with staged drawdowns.

How the finance works

A refurbishment bridge provides funding to purchase the property plus a separate works facility to cover the renovation costs. The purchase element completes on day one. The works element is drawn down as the project progresses, usually in 2-3 stages confirmed by a surveyor visit.

Interest is rolled up so there are no monthly payments during the works. Once the refurbishment is complete, you either sell the property to repay the bridge or refinance onto a standard buy-to-let mortgage.

Common questions

Do I need planning permission?

For light refurbs, usually not. For heavy refurbs involving structural changes, extensions or change of use, you will almost certainly need planning consent and possibly building regulations approval. Some lenders will fund with planning in principle; others require full permission before drawdown.

How is the works facility released?

Typically in arrears. You complete a phase of work, a monitoring surveyor inspects the property, and then the lender releases the funds for that stage. Some lenders will release a portion upfront for materials purchasing, but this varies.

What if the project overruns?

Term extensions are common and most lenders will accommodate them, usually for a small fee. The important thing is to communicate early if you think the project is going to take longer than planned. We stay in contact with the lender throughout.

Exit to buy-to-let

This is the most common exit route for refurb projects. Once the property is in a lettable condition, we refinance you onto a standard BTL mortgage with a high street or specialist lender. The valuation is based on the improved value, which is where the profit sits.

From wreck to rental in one facility

We structure refurbishment finance with your exit in mind from day one. Whether you plan to sell at a profit or hold as a rental, we make sure the numbers work before you commit.

Other specialist services

Development Finance

Ground-up construction and conversion funding.

Bridging Loans

Short-term finance when speed matters.

Mezzanine Finance

Second-charge lending to reduce your equity.

Mon – Fri	9am – 6pm
Saturday	By appointment
Sunday	Closed

Add value.Transform property.