Development

Heavy refurbishment finance

Funding for substantial works, including structural changes, extensions and major reconfiguration, before sale or refinance.

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Heavy refurbishment finance

Major works, properly funded

Heavy refurbishment sits between light refurbishment bridging and full development finance. It is often used where works are structural, need planning permission or building regulations approval, or will significantly change the property.

Funding for the works is often released in stages. We help put together the costings, programme and valuation evidence lenders need to fund both the purchase and the works.

Room stripped back with steel props supporting the ceiling during structural works

Typical heavy refurbishment projects

Structural works

Underpinning, removing load-bearing walls or major roof work.

Extensions

Adding floor space through rear, side or loft extensions.

Reconfiguration

Changing internal layouts to create more or better units.

Derelict property

Bringing empty or uninhabitable buildings back into use.

What lenders usually want to see

  • Schedule of works: detailed costs with contingency.
  • Planning and building control: any consents required for the works.
  • Team: the contractor and professionals delivering the project.
  • Values: current value and gross development value after works.
  • Exit: sale or refinance on completion.

Talk to us about your project

Tell us about the property, the amount you need and your timescale. We will review the funding route, shape the exit strategy and package the case for suitable lenders.

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Property development finance Ground-up development Conversion finance Development exit finance Commercial bridging loans

Important: All finance is subject to status, security, valuation and lender criteria. Terms and fees vary by lender.

Regulation: Development finance is not regulated by the Financial Conduct Authority.

Warning: Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on a loan secured on it.

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