Refurbishment Finance

Refurbishment finance helps investors buy and improve property, funding some or all of the works as well as the purchase.

Light refurbishment

Cosmetic works such as new kitchens, bathrooms, decoration and flooring – typically with no planning or structural changes.

Heavy refurbishment

Larger works such as structural alterations, extensions, or changes of use – often requiring planning permission or building regulations sign-off.

Typical features (illustrative)

• Term: typically 3–24 months
• Funding: typically a day-one advance against the current value, with works funds released in stages after inspection
• Lending basis: some lenders consider the expected value after works (gross development value)
• Exit: sale or refinance onto a longer-term product once works are complete

What lenders will want to see

• A clear schedule of works and costings
• Your relevant experience, or the professional team you will use
• Evidence supporting the end value
• A realistic exit strategy and timescale