Refurbishment Bridging Loan

Finance light or heavy property refurbishments.

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Answer a few questions for us to understand your business' needs

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Please note the minimum requirement is £5,000.

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What is a Refurbishment Bridging Loan?

This type of bridging finance is designed for property refurbishment projects, providing fast access to funds for light or heavy refurbishments before refinancing or resale.

Types of Refurbishment Bridging Loan

Light refurbishment loans cover minor improvements such as decorating or kitchen upgrades. Heavy refurbishment loans fund structural changes or extensions requiring planning approval.

Define the Project

Outline your project scope, timeline, and funding requirements.

Choose the Right Finance Type

Commercial mortgages, bridging loans, or development finance.

Get a Property Valuation

To assess risk and determine how much you can borrow.

Apply and Secure Terms

Review offered terms with loan amount, interest rate, LTV (loan-to-value), and repayment structure.

Draw Down Funds and Manage Repayments

Funds are released, either as a lump sum or in stages (especially for development projects).

Compare Property Finance Deals Today

At Compare Property Finance, we make it easy to compare property based lending options from leading UK lenders.

Whether you're looking for commercial mortgages, property development finance, bridging loans, buy-to-let mortgages, or any other type of property funding, our specialised partners, expert business finance brokers, help you find the best deal for your business, saving you time, money, and hassle.

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Quick online quotes

Transparent fees and terms

Wide range of finance providers

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Benefits of Refurbishment Bridging Loan

They allow investors and developers to add value to properties quickly, increasing resale or rental yields without tying up large amounts of capital.

Ideal for property investors, landlords, and developers buying undervalued properties to refurbish and sell or let at higher prices.

Things You Need to Know

The scope of refurbishment will determine whether planning permission is required. Lenders often inspect the property before and after refurbishment.

FAQs

What’s the difference between light and heavy refurb?

Light covers cosmetic changes, heavy involves structural work.

How long are terms?

Typically 6–18 months.

Can I refinance after refurb?

Yes, many move onto buy-to-let or commercial mortgages.

Do I need experience?

Preferred, especially for heavy refurbishments.

Can I use it for auction properties?

Yes, bridging is well-suited for auction purchases.

Disclaimer: Compare Property Finance helps UK firms find the right finance credit broker for access to business finance. Compare finds credit brokers, not lenders. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  

This website is operated by Spark Finance. Spark Finance Ltd (Registered office - 18 John Stow House, London, England, EC3A 7JB, Registered Number 10128297) helps UK firms access business finance. Spark is a credit broker, not a lender. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  Spark Finance may receive commission from lenders  which may vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Spark Finance Ltd is authorised and regulated by the Financial Conduct Authority in the UK (FRN 958123).