Refurbishment bridging loans provide short-term funding to purchase, refinance, or raise capital against property that needs improvement – from light refurbishment through to permitted development works (where planning is in place). Borrow from £100k to £20m, up to 75% LTV, over 3-18 months, with funding possible in as little as 3 days.
A refurbishment bridging loan is short-term property finance used to buy, refinance, or raise capital against a property that needs improvement – from light internal works to larger projects where permitted development / planning is already in place. It’s designed for time-sensitive transactions where a standard mortgage isn’t suitable at that stage.
Light refurbishment typically covers non-structural internal works, such as new kitchens or bathrooms, redecoration, flooring, windows, or general modernisation. If your plans involve more extensive changes (for example, layout changes that require consent, change of use, or heavier works), we’ll review the proposal and your exit strategy to confirm fit.
Yes. We can support projects that fall under permitted development or where the route is clear and documentation supports the plan. We don’t offer ground-up development finance, so for heavier projects we’ll usually want comfort that the permissions needed are already granted (or not required) before proceeding.
Refurbishment bridging loans for light and permitted developement are available from £100k up to £20m, at up to 75% LTV, depending on the asset, works, and exit strategy. Second charge lending is available up to £4m on residential properties.
Terms are available from 3 to 18 months. The right term depends on your project timeline and exit plan (sale, refinance, or another viable strategy).
Permitted developement & light refurbishment bridging loans can be issued in as little as 3 days where the case is straightforward and information is provided promptly. Many transactions complete in around two weeks, depending on valuation and legal timelines.
We can lend against a broad range of property types, including residential, commercial and semi-commercial. If your project involves an HMO or a conversion element, we’ll assess the plan, the end valuation, and the proposed exit as part of underwriting.
So long as you’re aged between 21 and 85, you’ll likely be eligible for our refurbishment bridging loan. You can come to us as an individual property investor, or through a business arrangement. We’re happy to work with self-employed workers, LLPs, SPVs, trusts and more.
We can also work with you if you’re based overseas. We consider applicants from any country, except those that are sanctioned or blacklisted.
Fees are confirmed as part of your individual terms. An arrangement fee of 2% applies across our bridging products. Commitment fees are refunded on drawdown, and there are no admin fees. Exit fees may be applicable and are confirmed at application (POA).
To move quickly, it helps to provide:
You can contact us for your refurbishment bridging loan to get the ball rolling. We can be reached over the phone, through email or via our website. All our details can be found on our contact page. Send us the property details, your outline of works, and your exit plan. We’ll review and confirm whether the loan is suitable, then progress valuation and legals to drawdown.
