Bridging for Refurbishment
Property finance to help you fund light or heavy refurbishments, increase value and move your project forward.
Unlock the Potential in Your Property with Refurbishment Finance That Works for You
Improving a property can significantly boost its value, but many traditional lenders are unwilling to fund projects that need work. Whether you are making light cosmetic changes or carrying out a full renovation, refurbishment bridging finance gives you the flexibility to move forward without delays.
We arrange tailored finance for landlords, investors and developers who want to add value to residential or commercial property through refurbishment.
What Is Refurbishment Bridging Finance?
Refurbishment bridging finance is a short term loan secured against a property that needs improvement. It is often used when buying or refinancing a property that cannot currently be mortgaged, or when you need quick access to funds to complete works before selling or arranging longer term finance.
This type of funding is commonly used for:
Light refurbishments such as painting, new flooring, kitchens or bathrooms
More extensive work including structural changes or property conversions
Pre development improvements that prepare a site for future plans
Boosting rental income or increasing resale value
Whether you are upgrading a rental or transforming a neglected property, refurbishment finance gives you the flexibility to get started without delays.
Why Use a Refurbishment Bridging Loan?
Fast Access to Funds
Get started on your works within days
Flexible Terms
Roll up interest, stage drawdowns for heavy works
Works with Unmortgageable Properties
Fund properties standard lenders reject
Exit Ready
Bridge until you sell or refinance to a long-term mortgage
Light Refurbishment vs Heavy Refurbishment
Refurbishment bridging loans are usually divided into two types based on the scale of work involved.
Light refurbishment loans are used for non-structural improvements that do not require planning permission or building regulations approval. These might include:
Redecorating
Upgrading kitchens and bathrooms
Installing new flooring or windows
Heavy refurbishment loans are designed for larger projects involving structural changes or works that need sign off from building control or planning departments. These could include:
Extensions or loft conversions
Reconfiguring internal layouts
Changing a commercial property into residential use
We will help match you with the right lender based on the nature of your project and your chosen exit strategy.
Who Is Refurbishment Finance For?
Refurbishment bridging finance is a popular choice for:
Property investors and landlords who want to increase the value of their portfolio
Developers aiming to carry out works before refinancing or selling
Buyers securing below market value properties with room to add value
Clients who need short term funding before listing a property for sale
If your goal is to improve, reposition or unlock equity from a property, refurbishment finance can provide the flexibility and speed you need.
Loan Features and Criteria
Loan sizes from £50,000 to over £5 million
Loan terms between 3 and 18 months
Rates starting from 0.65 percent per month for light works, and from 0.75 percent for heavy refurbishments
Loan to value up to 75 percent gross, depending on the project and valuation
Interest options include rolled up, retained or monthly serviced payments
Exit routes include selling the property or refinancing onto a buy to let, commercial or residential mortgage
We work with lenders who understand refurbishment projects and can offer flexible terms based on your experience, property type and goals.
How It Works
Enquire
Tell us about the property and scope of works
Indicative terms
Get a quick quote within 24 hours
Valuation & schedule of work
Carried out by lender-approved professionals
Loan offer & legal
Fast-track to completion
Drawdown
Funds released upfront or in stages (for heavy works)
Clear Communication
No jargon, no confusion, no chasing we keep you updated every step
Use Our Bridging Calculator
Want to estimate costs for your refurbishment deal? Try our bridging loan calculator to get an idea of interest, fees, and repayment amounts.
Frequently asked questions
Everything you need to know about the bridging finance broker
Can I get a bridging loan for a property that needs work?
Yes. That’s exactly what refurbishment bridging is for—even if the property is unmortgageable in its current state.
Do I need planning permission for heavy refurbishment loans?
If the works require it, yes. Your broker can help prepare the right documentation to present to lenders.
How much can I borrow?
Loan size depends on the property value, scope of work, and your exit strategy. Up to 75% LTV is possible.
Can I draw funds in stages?
Yes—for heavy refurb projects, lenders can release funds in tranches as work progresses.
Ready to Fund Your Refurb Project?
We work with investors, developers and landlords to secure the right refurbishment bridging loan without delay. Whether your project involves light cosmetic updates or full structural works, we will match you with a lender who understands what you are trying to achieve.