Refurbishment bridging loans.

We calculate your refurbishment loan amount by looking at your property's current market value, the scope and cost of the planned works (supported by a detailed schedule), and the projected Gross Development Value (GDV), which shows what the property is expected to be worth once the refurbishment is complete.

Every property refurbishment project is unique, so our approach is tailored to suit. From simple cosmetic refurbishments to more complex structural changes or extensions, all projects are supported by ongoing monitoring, often alongside a quantity surveyor.

Unlike many high street lenders, we take a more pragmatic and flexible approach to refurbishment finance. We understand the realities of refurbishment projects and work with you to support your plans. Funds are released in stages to match your build schedule, so you have money available when you need it, sometimes in as little as 24 hours, helping you keep your project moving without unnecessary delays.

A refurbishment bridging loan is a commercial finance product, so it avoids many of the time-consuming checks associated with residential mortgages. This can help speed up the process from the outset and make refurbishment finance a useful option when time is critical.

How quickly your refurbishment loan completes can also depend on how prepared you are. Having your documents ready and working with an experienced solicitor can help keep everything running smoothly and reduce the risk of delays.

Beyond that, we focus on keeping things moving. As a specialist lender, our process is designed to be quick and straightforward, from initial enquiry through to funding. In some cases, funds can be released in as little as 24 hours, helping you move quickly on property refurbishment opportunities and keep your project on track.

Yes, you can get a refurbishment bridging loan without planning permission, but it often depends on the type and scale of the work you're planning.

For lighter refurbishments, such as kitchens, bathrooms, decoration, landscaping or rewiring, planning permission is not usually required as these works don't alter the structure of the property. These types of projects are typically simpler to fund and may allow for a higher loan-to-value (LTV), which can reduce the deposit you'll need.

For more extensive refurbishments, such as structural changes, conversions, roof replacements or creating HMOs, planning permission is usually required as these works change the building's structure or use. However, it may still be possible to secure refurbishment finance without planning permission, depending on the project.

If you're unsure, we're here to help. Our team can talk through your plans and guide you on what's possible.

We typically offer up to 75% loan-to-value (LTV). If you have additional property we can use as security, it may be possible to fund up to 100% of the project.

The exact LTV will depend on your individual circumstances and the type of refurbishment you’re planning, including whether it’s a lighter or more extensive project.

Refurbishment bridging loans are designed for investment or commercial properties, such as buy to lets or offices, so they aren’t suitable if you’re planning to live in the property yourself.

If you’re renovating a home for your own use, don’t worry there are other options available. A personal home renovation bridging loan could be a better fit, and our team can help guide you to the right solution for your plans.