Bridging loans for light and heavy refurbishment of residential, buy-to-let and commercial property. Submit your enquiry and a specialist broker will call you back to discuss the right facility for the works.
The funds you can borrow are capped at 75% of the property value (first charge). If your selection exceeds that, the form will ask you to adjust.
Three simple steps to a bridging loan enquiry.
Tell us how much you need to borrow, the value of the property or land, and your contact details. The form takes about a minute.
A specialist bridging loan broker will call you back to discuss your circumstances, exit strategy and the right product for you.
The broker will review options from a panel of specialist bridging lenders and present quotes that suit your circumstances. There is no obligation to proceed.
£25k+
Loan size from
75%
Max LTV first charge
Days
Funds released in
No
Obligation
Submit your enquiry and an authorised broker will call you back
Specialist bridging brokers can review most case types — including those that have been declined by mainstream lenders.
Bridging covers the full refurbishment spectrum.
Cosmetic and non-structural works — kitchens, bathrooms, decorating, flooring, electrics, bringing a tired property up to lettable or saleable standard. No planning permission required, faster turnaround.
Structural work — extensions, loft conversions, basement conversions, removal of internal walls, re-roofing, full renovation of derelict property. Building regulations and sometimes planning permission required.
Conversion projects — single dwelling into HMO, large house into flats, commercial building into residential under permitted development. Often combined with capital improvement to maximise post-works value.
Funding the works phase before refinance or sale
Refurbishment bridging is a short-term loan that funds both the purchase (or capital release) and the works on a property. It is repaid when the property is refinanced onto a long-term mortgage or sold after the works complete.
Light refurbishment covers cosmetic updates — kitchens, bathrooms, decorating, flooring — that do not require planning permission or building regulations. Heavy refurbishment covers structural work, extensions, loft conversions, basement conversions, change-of-use and projects requiring building regulations.
Loans range from £25,000 to £25,000,000, with maximum 75% LTV on first charge against the as-is value, and some lenders advancing additional funds against the post-works valuation. Both regulated and unregulated cases are considered.
Specialist brokers have access to lenders, products and processes that are not always available going direct.
Some lenders accept automated valuations on suitable cases, which can shorten the time from application to drawdown when speed of completion matters.
Some bridging products are only available through specialist brokers and are not offered direct to consumers — useful when a standard product does not fit the case.
A specialist broker can present a case to multiple lenders, giving access to a wider set of options than approaching one lender directly. Dual representation may be available on some cases to speed completion.
Submit an enquiry and a broker will call you back to discuss your options.
Submit Enquiry