Bridging Loans For Property Refurbishment
The Right Finance to Purchase, Renovate and Add Value..
Suitable for Landlords, Property Investors & Developers.
Short-term finance for property purchases and refurbishments. We assess your project, find suitable lenders, compare the funding options and manage your application through to completion.
The Right Refurbishment Finance
We select suitable lenders from our network of 130+ specialists, matching the funding to your property, planned works and exit strategy.
Clear Comparison of Options
We compare interest rates, fees, loan terms and drawdown arrangements, helping you understand the total borrowing costs.
Managed Through to Completion
Your dedicated broker manages lender negotiations, valuations and legal requirements, keeping your funding on track.
Refurbishment Funding Capabilities
From straightforward renovations to substantial property improvements, we work with specialist lenders to structure finance around your project..
130+
Specialist Lenders
90% LTV
for refurbishments & selected scenarios
Pricing from 0.55%
Per month
100% Works Costs Funded
available for larger projects
Funding depends on property value, proposed works, borrower experience and exit strategy. We compare the overall funding package, including the cash required throughout your project..
What Does Refurbishment Finance Look Like?
The structure depends on your property, proposed works, available cash and exit strategy. We explain the funding arrangements before you commit.
Borrowing & deposit
The amount available depends on the property’s valuation, planned improvements and lender criteria. We assess your cash contribution, purchase costs and whether further security could help.
Loan term
Funding is normally arranged for a defined short-term period, allowing time to complete the works and sell or refinance. The term must reflect a realistic project timetable and repayment strategy.
Interest
Interest may be paid monthly, retained upfront or added to the loan balance, depending on the lender. We explain how each approach affects your cash flow and repayment amount.
Fees & total cost
We compare arrangement fees, valuations, legal costs, broker fees and any charges relating to works funding or early repayment. The lowest headline rate is not always the best overall deal.
Property & security
Lenders assess the property’s current condition, value and proposed works. Some may offer finance for properties unsuitable for standard mortgages, with additional security considered where appropriate.
Repayment
Loans are commonly repaid through a property sale or refinancing onto a suitable longer-term mortgage. We assess your planned exit and potential delays before arranging the finance.
All finance is subject to lender assessment, valuation and legal checks. Refurbishment funding and drawdowns depend on the lender’s criteria and agreed conditions.
What to Consider Before Starting Your Refurbishment
A successful project needs more than the right purchase price. Understanding the funding requirements and potential risks early can help avoid expensive delays..
Your Project Budget
Allow for purchase costs, refurbishment works, professional fees and a realistic contingency for unexpected expenses..
Your cash contribution
Check how much cash is required initially and whether refurbishment funding is released upfront or in stages.
The Scope of Works
Structural alterations, conversions and planning requirements can affect lender choice, loan structure and timescales.
Your repayment plan
Allow realistic time to complete the works, sell the property or arrange longer-term refinancing.
How we help get your funding in place
You’ll deal directly with an experienced broker who takes ownership of the application and keeps all parties moving.
1. Assess the purchase
We review the property, works schedule, costs, available cash and exit strategy, identifying likely funding requirements and obstacles.
2. Find and compare lenders
We shortlist suitable lenders, discuss your project, negotiate terms and provide a clear comparison of costs, funding structures and conditions.
3. Package and progress the case
We prepare the funding proposal and coordinate valuations, lender requirements and the legal process, working through questions as they arise.
4. Manage through to completion
We track outstanding requirements, liaise with the professional team and keep your finance progressing towards the agreed completion date.
Completion depends on lender approval and satisfactory valuation and legal work.
Your Refurbishment Finance Questions Answered
Can I finance both the purchase and refurbishment?
Yes, this may be possible. Some specialist lenders offer finance towards the purchase and refurbishment works, with further funds released as the project progresses. We assess the overall funding requirement and structure a suitable proposal.
What is the difference between light and heavy refurbishment?
Light refurbishment usually covers non-structural improvements such as kitchens, bathrooms and decoration. Heavy refurbishment may include extensions, structural alterations and substantial conversions. Lender definitions vary, affecting the available finance and conditions.
Can I borrow 100% of the refurbishment costs?
Some lenders may fund up to 100% of eligible works costs, subject to the property’s value, overall borrowing limits, project viability and borrower experience. You may still need cash for the purchase, fees, VAT or initial works.
Can I finance an unmortgageable property?
Yes. Specialist bridging lenders may consider properties requiring significant improvements that conventional mortgage lenders would not currently accept. Approval depends on the property, proposed works, valuation and repayment strategy.
How do I repay a refurbishment bridging loan?
Repayment is typically through the sale of the refurbished property or refinancing onto a suitable mortgage. We review your repayment strategy and consider what could happen if the works, sale or refinance are delayed.
Peace of Mind With A Trusted and Regulated Broker
Xcel Finance is Directly Authorised by the Financial Conduct Authority (FCA) and a member of the National Association of Commercial Finance Brokers (NACFB), providing added reassurance that we work to high professional standards and are committed to delivering excellent customer outcomes.
Jamie Lloyd | Specialist Finance Broker
Jamie has 9 years’ experience in specialist property finance, with particular expertise in complex cases. He combines market knowledge and lender relationships to find practical solutions and secure the right outcome.
You’ll deal directly with Jamie from first enquiry through to completion. He stays personally involved, takes ownership and works with lenders, solicitors and the wider team to solve problems and keep things moving.
Whatever the case, you’ll have an experienced specialist with you from start to finish.
Get a Refurbishment Finance Quote Here
Fill in the Details for Your Project and We’ll Send a Detailed Quote
Speak to a Bridging Finance Expert Today
Planning a refurbishment project? Speak to an experienced broker about your funding requirements, lender options and the best way to structure your finance.