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Light to medium refurbishment finance: powering your clients鈥� property upgrades


Our light to medium refurbishment finance helps your clients fund property upgrades quickly and flexibly. Ideal for enhancing value, boosting rental income, and accelerating sales without the delays of traditional property development finance.

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Property finance that turns potential into profit


Our light to medium refurbishment finance is designed for speed, flexibility, and value appreciation, helping your clients turn potential into profit. Whether it鈥檚 upgrading kitchens and bathrooms, refreshing interiors, or making minor structural changes, we provide fast, tailored funding to keep projects moving. With no early repayment charges, competitive rates, and a streamlined process, we help intermediaries support clients in unlocking a property鈥檚 true value.

Perfect for buy-to-let investors, portfolio landlords, or those preparing to sell, our refurbishment loans bridge the gap between purchase and enhanced market appeal. Delivering improved yields, quicker sales, and stronger returns. Funding solutions that work as hard as your clients do.


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: 2, 3, or 5 years
  • Lending across England, Scotland & Wales
  • Flexible terms: 3 to 18 months
  • Available to individuals, limited companies, LLPs, SPVs, and trusts
  • Interest roll-up, retained interest, part-serviced and serviced options available
  • First-time investors considered (case by case)
  • UK and foreign nationals welcome subject to due diligence and a UK bank account is required
  • All types of asset classes considered – residential, semi-commercial & commercial
  • Suitable for cosmetic upgrades, kitchen/bathroom replacements, redecoration, and minor structural alterations
  • Suitable for both experienced landlords and first-time investors
  • Fast completions to meet tight project timelines
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Why borrow with us?

Flexible funding options

Tailored refurbishment finance for cosmetic or structural works

Fast turnaround

Quick decisions and completions to keep projects on schedule

High LTV

Up to 75% day-one lending, with potential to release additional funds after improvements

Suitable for all experience levels

Ideal for both seasoned investors and first-time property developers


Additional highlights

Fast decision making

Quick approvals so your clients can start refurbishment projects without delays

Flexible loan terms

Finance tailored to match project scope, budget, and timescales

High loan-to-value (LTV)

Up to 75% LTV on day-one lending

Funds for works

Additional funding available mid-project to cover refurbishment costs

No early repayment charges

Clients can repay early without penalties

Supports various property types

Suitable for residential, HMOs, and mixed-use properties 

Works for all experience levels

Designed for both first-time refurbishers and seasoned investors

Competitive rates

Attractive pricing to keep projects viable and profitable

We provide fast, flexible finance for light to medium refurbishments, helping your clients unlock property potential. From cosmetic upgrades to structural improvements, our tailored solutions boost value, maximise returns, and keep projects moving without delays making us the trusted choice for refurbishment funding.

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Why bridging is on the rise

Bridging finance is on the rise for refurbishment projects as landlords and investors 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 changes, bridging allows borrowers to improve properties, boost rental income, or prepare for resale – often with no early repayment penalties.


Refurbishment finance frequently asked questions

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.