A refurbishment loan is a short-term, asset-backed funding facility used to purchase and improve a property before sale or refinance.
It’s designed for projects where the asset needs work - whether that’s modernisation, reconfiguration, or general improvement - and where traditional mortgage funding isn’t available at purchase. Refurbishment finance allows experienced investors to move quickly, add value, and exit on their own terms.
Refurbishment projects rarely go exactly to plan. Experience is what keeps them moving.
From application to funding in four simple steps. It's that easy.
Step 1
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Step 4
Don't just take our word for it. Here's what our customers have to say.
How quickly can a refurbishment loan complete?
Typically 5–20 working days, depending on valuation and legal progress.
Can refurbishment costs be funded?
Yes - subject to the work's scope, experience, and agreed structure.
Do you offer regulated refurbishment loans?
No - all lending is unregulated and for investment purposes only.
What does refurbishment finance cost?
Indicatively around 0.75%–1% per month, depending on the deal.
Is this suitable for first-time developers?
No - we focus on experienced borrowers with a proven track record.
