Refurbishment Loan

From light refurbishment to property conversion from house to flats. Our refurbishment loans can be tailored to your specific needs.

From complete renovation to rear-extension, a refurbishment loan is designed to help you complete your project on time.

Refurbishment loans can help fund the refurbishment cost of your property. Loans are provided against the current value of the property, allowing borrower's to obtain loans of up to 70% of the loan-to-value (LTV) against your property.

This product is only available when the borrower meets the criteria and the loan is defined as an unregulated bridging loan.

We offer unregulated bridging loans against the following properties:

- Investment property (houses or flats) 

The type of security and the overall LTV are factors taken into consideration when calculating the monthly interest rate we charge.

Typically, rates are between 0.85% to 1.12% per month. Unlike other lenders, we do not take upfront charges from borrowers such as administration or valuation fees (at enquiry stage), nor charge an exit fee at the end of the loan term.

There are however, certain fees which are deducted upon draw-down from the loan such as:

- Legal fees. 
- Valuation fees. 
- Arrangement fees.

These are deducted from the loan amount upon drawdown.

We try to complete your loan within a window of 21 days (however, depending on the complexity of the security, it can take longer). Your dedicated account manager will help discuss the loan application with you and will keep you updated during the application process.

02381 277030

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Warning: Please note that the property that you offer as security to acquire your loan may be repossessed and sold in the event of default. Please refer to our page ‘Borrowers’ for more information on the checks we conduct on borrowers.