PROPERTY REFURBISHMENT

Finance for a property with work to do.

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

Mortgage advice, made simple

Get clear advice before you apply.

Tell us about the works, timescale and exit route.

FCA regulated, whole-of-market mortgage advice.
No jargon and no pressure to proceed.
We explain fees, risks and next steps before any application.

Your home may be repossessed if you do not keep up repayments on your mortgage. Some specialist or buy-to-let finance may not be regulated by the FCA.

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Prefer to talk? Call 01772 217917.

Light & Heavy Refurb

Purchase + Works

BTL Exit Route

Interest options available

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 in agreed stages, subject to the lender's progress checks.

Interest may be rolled up or paid monthly, depending on the facility. Plan to repay by the agreed date through a sale or refinancing, neither of which is guaranteed.

Common questions

Do I need planning permission?

For light refurbs, usually not. For heavy refurbishments, planning requirements depend on the work and any permitted development rights. Building regulations approval is a separate question. Check both before committing. 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?

An extension needs lender agreement and may involve additional interest and fees; it is not guaranteed. 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 lettable, we can assess BTL refinancing options, subject to valuation, rental income and lender criteria. Increased value does not guarantee a profit.

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	9am – 1pm
Sunday	Closed