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Mortgages for property refurbishment

Suitable for commercial, residential and mixed-use properties and conversions.

  • HMO’s


    We offer streamlined solutions to maximise your property opportunities

  • Interest only

    Interest only

    Our interest only mortgages provide you with complete flexibility

  • Specialist Teams

    Specialist Teams

    Specialist team supporting your project end-to-end

A refreshing approach to investment property finance, our mortgages for property refurbishment help experienced property investors and landlords to secure a long-term mortgage which also allows for the refurbishment project at the start of the term. 

Our mortgages for property refurbishment offer the security of an approved long-term investment mortgage following an initial refurbishment period, with flexible payment options. Complete the refurbishment within the 12 months and benefit from a hassle-free and fee-free transition to a pre-approved investment mortgage. 

Key features

Mortgages from Loan to value Net rental income
£125k to £6.0m, up to £4.0m per single property Up to 70% of the lower of the purchase price or value at commencement 130% of monthly repayments on completion of the refurbishment

Phase 1: simple refurbishment finance

  • We will lend up to 70% of the refurbishment cost, capped at a maximum loan of £230,000 for refurbishment costs (equating to 70% of a £330,000 total refurbishment cost)
  • Maximum 12 months to complete refurbishment

Phase 2: seamless transition to fixed term mortgage

  • Loans up to 70% of the Gross Development Value
  • Fixed terms from 2-30 years (25 years max for Commercial properties)

Our approach

Our refurbishment loans are also available to owner-occupier businesses looking to refresh their own property, subject to suitable experience.

The ideal finance package for investment properties. Our mortgages for property finance combine the property purchase and refurbishment into one simple loan at the start of the project:

  • One lending partner throughout
  • Start your refurbishment quicker with a fast decision
  • One specialist team supporting your project end-to-end
  • No fee to convert to your term loan (fees apply if you decide to move lenders or sell)
  • Smooth transition into the term phase, with less paperwork
  • Ideal for HMOs
  • Interest only and roll up options available

Property secured on the loan may be repossessed if repayments are not maintained.

  • Most Innovative Property Loans Provider 2019

    Most Innovative Property Loans Provider 2019

    View Award
  • Most Outstanding Commercial Mortgages Bank of the Year 2018

    Most Outstanding Commercial Mortgages Bank of the Year 2018

    View Award


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