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Light to medium refurbishment finance

Our refurbishment finance solutions – bridging loans for light to medium refurbishments –  fund non-structural and moderate improvements – like new kitchens or cosmetic upgrades – providing fast, flexible finance to enhance property value quickly and efficiently.

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Transform & thrive: fast funding for light to medium refurbishments

Light to medium refurbishment projects offer fantastic opportunities to increase property value without the time or cost of full redevelopment. Our bridging finance for refurbishment is designed specifically to support these projects, providing quick, flexible light refurbishment funding for non-structural upgrades like new kitchens, bathrooms, and cosmetic enhancements, or moderate changes such as relocating non-load-bearing walls.

With fast approvals and tailored loan terms, we help you unlock potential, improve cash flow, and complete renovations on schedule. Whether you鈥檙e an investor or developer, our bridging finance is the ideal solution to refresh properties, boost rental income, and maximise returns – all with minimal hassle.


Why bridging works for light & medium refurbishments

Bridging finance is on the rise for light and medium refurbishment projects as investors and developers seek fast, flexible funding to add value without the delays of traditional lending. With property opportunities moving quickly, bridging loans offer the speed and simplicity needed to secure deals and start works immediately.

Whether it鈥檚 cosmetic upgrades, new kitchens, or minor structural tweaks, light refurbishment bridging funds allow borrowers to improve properties, boost rental income, or prepare for resale – often with no early repayment penalties. As demand grows for efficient, value-add strategies in a competitive market, bridging finance is becoming the go-to solution for refurbishment success.

Why borrow with us

Fast, flexible funding

Quick decisions and tailored loan terms, so you can start your refurbishment without delay

Refurb-focused expertise

Our team understands refurbishment finance inside out, from cosmetic upgrades to moderate structural work

No early repayment charges

Repay early without penalties, giving you full flexibility to exit once your project is complete or refinanced

Maximise property value

Unlock your property鈥檚 potential and boost returns with finance designed to add value efficiently

Key lending criteria

  • Loans from 拢500k up to 拢20m
  • Up to 75% LTV for residential properties, 65% for commercial
  • Variable and fixed-rate options available: 2, 3, or 5 years
  • Lending across England, Scotland & Wales
  • Flexible terms: 3 to 18 months
  • Available to individuals, limited companies, Limited Liability partnerships (LLP), Special Purpose Vehicle (SPVs), and trusts
  • Interest roll-up, retained, part-serviced and serviced options available
  • First-time investors considered (case by case)
  • UK and foreign nationals welcome* subject to due-diligence (*UK bank account required)
  • All types of asset classes considered – residential, semi-commercial & commercial properties
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Additional highlights

Fast, reliable funding

Quick decisions and access to funds so you can start your refurbishment project without delay

High loan-to-value (LTV)

Up to 75% LTV on day one, maximising borrowing against current value

Generous loan sizes

Borrow up to 拢20m, funding anything from a single unit to a portfolio of projects

Tailored terms

Loan terms from 3 to 18 months to match your refurbishment timeline and exit strategy

Refurbishment-friendly criteria

Ideal for cosmetic works, kitchen/bathroom upgrades, redecoration, or minor structural changes

No early repayment charges

Repay the loan early without penalties once your project completes or refinances

Experienced support team

A team that understands refurbishment challenges and provides expert, hands-on support

Competitive rates

Finance that keeps project costs under control and helps boost returns


Light to medium refurbishment finance – frequently asked questions

We consider applications from individuals, companies, SPVs and trusts. Borrowers must show a clear project plan, valuation, and an exit route via sale or refinance.

Once works are complete, you can refinance onto a longer-term buy-to-let or commercial mortgage, or sell the property. Bridging loans are designed to provide flexibility until that exit is achieved.

Light refurbishment involves cosmetic changes like redecorating or new kitchens, while medium refurbishment can include structural alterations without requiring full planning permission.

Fast decisions and streamlined processes mean funding can be available in weeks, (timescales can vary depending on the individual case).

Yes, our finance covers both residential and mixed-use properties, providing flexibility for diverse investment strategies.

Yes, bridging loans can be structured to cover property purchases as well as refurbishment or construction.

Cosmetic upgrades, new kitchens or bathrooms, redecoration, and minor structural changes such as removing or moving non-load-bearing walls. These works don鈥檛 require full planning permission.

We can provide fast decisions and access to funds – often within days – so you can start your project without delay.

Up to 75% of the current property value, depending on the exit strategy and borrower profile.

While experience is beneficial, we assess each case individually. First-time refurbishers may be considered, especially with a strong project plan and exit strategy.

聽Refurbishment finance is a short-term bridging loan designed to fund property improvements, from cosmetic upgrades to moderate non-structural works, helping investors boost value and rental yield.


Speak to a specialist today to access refurbishment finance that helps you enhance property value, manage cash flow, and complete projects quickly and efficiently.

Speak to a specialist