Finance that keeps your refurbishment moving
Stage drawdowns around the build programme, from ground-up schemes to heavy refurbishments, with a case manager who keeps the route clear.
Quick lending decisionsfast turnaround
Up to 70 % LTV on non-regulated loanssubject to case assessment
Secure, regulated lendingfully compliant
Why Choose Our Refurbishment Finance?
Projects of Every Size
From cosmetic improvements to extensive refurbishment projects.
Up to 70% LTV
Competitive funding tailored to refurbishment projects.
Flexible Loan Structures
Terms from 1–36 months designed around your project.
For Investors & Developers
Supporting landlords, developers and property investors.
Refurbishment Finance Scenarios
Refurbishment finance supports schemes at every stage, from a first ground-up build to a growing pipeline of refurbishment projects.
Ground-Up Schemes
Residential and light commercial developments from acquisition to completion.
Heavy Refurbishment
Conversion and heavy refurbishment projects funded in stages.
Scaling Developers
Experienced developers moving to larger, more complex schemes.
First-Time Developers
Considered where the professional team has a strong track record.
AT A GLANCE
Lending Criteria
Loan Amount
Sized against the scheme's cost and GDV.
GDV Lending
Facility sized against gross development value.
Build Cost Funded
Staged drawdowns released against verified progress.
Scheme Types
A wide range of residential and light commercial schemes.
Experience
A strong professional team can offset limited track record.
Regions
UK-wide coverage from a single case manager.
Refurbishment FAQs
Refurbishment finance is a short-term funding solution designed to help property investors improve or renovate residential and commercial properties. It can be used for projects ranging from cosmetic upgrades to more extensive refurbishments before refinancing or selling.
Funding may be available for a wide range of refurbishment works, including: Cosmetic renovations, Property modernisation, Internal reconfiguration, Extensions (where accepted by the lender), Commercial property improvements, Buy to Let refurbishments. Each application is assessed individually based on the project and lender criteria.
Refurbishment finance may be available to property investors, landlords, developers, limited companies and business owners, depending on the lender’s requirements.
Funding is available with lending of up to 70% LTV, depending on the property, the refurbishment project and the lender’s assessment.
The information required varies by project but will typically include: Details of the property, Estimated refurbishment costs, Schedule of works, Exit strategy, Proof of identity, Financial information where required. Additional documentation may be requested depending on the lender.
Our refurbishment finance is available with flexible terms ranging from 1 to 36 months, allowing borrowers to complete their project before repaying or refinancing.
An exit strategy explains how the finance will be repaid at the end of the loan term. This may include selling the property, refinancing onto a Buy to Let or Commercial Mortgage, or using another acceptable repayment source.
Yes. Depending on the lender, refurbishment finance can be arranged for commercial premises, mixed-use properties and investment assets undergoing improvement works.
Yes. Many borrowers refinance onto a longer-term Buy to Let or Commercial Mortgage once the refurbishment has been completed and the property is ready for its intended use, subject to lender approval.