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Refurbishment Finance

Get Expert Refurbisment Finance Advice

Spruce up your property to increase your earning potential with refurbishment finance. Whether it is just a quick repair or full renovation, a refurbishment loan could be a cost effective finance option for your portfolio.

⭑⭑⭑⭑⭑ All our advice is delivered by our property finance specialists. Rated Excellent on Feefo

Loan terms available from 1 - 36 months

You can typically borrow £50k - £15m

All uses considered - light, heavy & conversions

Get up to 75% loan-to-value on a single property

Reasons To Consider Refurbishment Finance

01. Light Refurbishment

If you are just looking to repair a property to maximise your potential earnings and it doesn’t need planning permission, a light refurbishment loan might be ideal choice. There are many reasons to consider this route including:

  • To install a new kitchen
  • Improve the decor
  • Increase rental value
  • Bring the energy ratings inline with updated regulations
  • Make the property safer

02. Heavy Refurbishment

The definitions vary between lenders, but generally any property lending requiring a building permit is considered a heavy refurbishment loan. There are many purposes for this type of loan, such as:

  • Structural developments
  • Full renovations
  • Extensions

Refurbishment Fees

Fees will vary from product to product, but typically, the following costs will be incurred:

  • Arrangement Fee – The initial cost to cover the administration of the loan.
  • Valuation Fees – A surveyor will be instructed to visit and value the property. Typical costs would be around 0.25% of the loans value.
  • Exit Fees – Certain loans will carry an exit fee, which are usually a percentage of the overall loan value.

Our advisers will walk you through the necessary details we need to fully understand your project. Once we know what you have and what you intend to do, we can provide you with quotes on the most suitable loans.

How to get the refurb finance you need & want

We’re on a mission to make property finance hassle-free, so let’s get right to it. To get the finance you need we could help in 4 straight-forward steps.


01. Discovery

To ensure you get the right advice for your property we need to have a conversation, a quick chat, a natter. So, you'll receive a call from one of our bridging experts.

02. Solutions

Your bridging adviser will establish some basics on your circumstances and what you're looking to achieve. They'll also run through your preferences to make sure our quotes measure up to exactly what you need.

03. Quick Decisions

We know that time is key when it comes to refurb, so we will work fast and get your free personalised quote in your inbox, typically within 24 hours, unless there is additional complexities.

04. Approval

You can come back to us with any questions at any time. Once you're happy to proceed, we're manage your application through to that all-important completion.


What Our Clients Say

The Bridging Broker is the dedicated bridging arm of the award-winning mortgage broker, The Buy to Let Broker.

Discover Refurb Finance Insights

Here are just some of the reasons to consider refurbishment finance through The Bridging Broker:

Lender Access

You will get access to a wide range of lenders currently on the market. Avoid all of the calling and fuss, let us do that for you. We aim to make the process as hassle-free as possible.

Latest Rates

We work for you, not the lenders. This means we will compare and match your needs to latest deals available. We can even get you access to exclusive rates, not available direct.

Market Knowledge

We are industry experts with exceptional knowledge and experience in complex financial requirements. So no matter how complex your requirements, we're here to help.

We work fast

Our team are on hand to help you get the finance you need as fast as possible, with funding typically available in as little as a couple of weeks (depending on your unique circumstances).

The Bridging Broker London property

Gross Development Value or GDV is the estimated value of the property once all of the refurbishment has been completed. 

GDV is a very important figure to know for any project as many lenders use it to calculate how much you can borrow and the rates that they will offer you. 

The GDV is calculated during the valuation using current property prices and recent comparable property transactions. 

Refurbishment finance is typically a fast form of property loan. 

How long it will take will depend on a multitude of factors, such as how much you are looking to borrow, what you needs the funds for and the specific documentation required by the lender but we can typically complete the application in 10 days – 3 weeks. 

If you are a UK resident you can apply for property refurbishment finance as an individual, in a partnership, via a LLP or through a limited company (SPV). 

Meet Our Refurb Experts

Discover more about our team of passionate property professionals and how we can help your project.

Chris Leek The Bridging Broker

⭑⭑⭑⭑⭑  Rated Excellent on Feefo


If you are in a hurry and refurbishment finance sounds like the right loan for you, request a callback below and talk to one of our finance experts to get started. For an even quicker decision, you can also call us on 01517966493 to find out more.

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