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Rates from 0.37% per month

Refurbishment Bridging Finance

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Fund your property renovation and add value.

Refurbishment bridging lets you buy a property that needs work, fund the renovation, and then either sell at a profit or refinance to a standard mortgage. Lenders offer both light refurb (cosmetic) and heavy refurb (structural) products.

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Why Use Bridging for Refurbishment?

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Fund the Works
Borrow for purchase plus renovation costs
📈
Lend on GDV
Some lenders lend against the end value
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Staged Drawdowns
Release funds as works progress
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Light or Heavy
Products for cosmetic to structural works

Lenders for Refurbishment Bridging Finance

Compare rates from specialist bridging lenders

Lender Rate From Max LTV
Octane Capital 0.37% 65% View details →
Funding 365 0.39% 75% View details →
Shawbrook Bank 0.4% 85% View details →
Precise Mortgages 0.49% 75% View details →
Aspen Bridging 0.49% 80% View details →
Octopus Real Estate 0.55% 75% View details →
Glenhawk 0.55% 75% View details →
West One Loans 0.55% 75% View details →

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Frequently Asked Questions

What's the difference between light and heavy refurb? +
Light refurb is cosmetic work (decorating, new kitchen/bathroom, landscaping). Heavy refurb involves structural changes, extensions, or change of use. Rates are typically higher for heavy refurb.
Can I get 100% of the works funded? +
Some lenders will fund 100% of works costs, released in stages. You'll typically need to fund initial stages yourself before drawdowns begin.
What's GDV lending? +
Gross Development Value lending means the lender considers the property's value after works are complete, not just current value. This can increase your borrowing capacity.
Do I need planning permission? +
For heavy refurb involving extensions or change of use, yes. Light refurb under permitted development typically doesn't need planning.

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