Bridging

Refurbishment bridging finance

Short-term funding to buy and improve property, from light cosmetic works to heavier refurbishment, before selling or refinancing.

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Refurbishment bridging finance

Funding for the purchase and the works

Refurbishment bridging can fund the purchase of a property and, in many cases, part or all of the cost of the works. Light refurbishment usually covers cosmetic improvements such as kitchens, bathrooms and decoration. Heavy refurbishment can include structural work, extensions or works that need planning or building regulations approval.

Lenders look closely at the schedule of works, costs, timescale and the expected value once the project is complete. We help present that information clearly so the lender understands both the project and the exit.

Freshly refurbished hallway with a period staircase

Where refurbishment finance fits

Light refurbishment

Cosmetic upgrades that bring a property up to a lettable or saleable standard.

Heavy refurbishment

Structural or more extensive works, including changes that need planning or building control sign-off.

Value-add investment

Buying below market value and adding value through works before refinancing.

Portfolio upgrades

Improving existing stock to raise rents, meet standards or release equity.

What lenders usually want to see

  • Schedule of works: a clear list of the planned works with realistic costs and contingency.
  • Gross development value: the expected value once works are complete, ideally with supporting evidence.
  • Experience: your track record, or the experience of your contractor and professional team.
  • Timescale: how long the works will take and when the exit will happen.
  • Exit strategy: sale or refinance, with evidence that the plan is achievable.

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

Regulation: We arrange bridging finance for business and investment purposes only, which is not regulated by the Financial Conduct Authority. We do not arrange loans secured on a property that you or a family member live in, or intend to live in.

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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