Our short term bridging loans are for purchase, refinance, property improvement or to unlock working capital for business purposes.
This unique overdraft provides you with a flexible drawdown facility giving you instant liquidity and avoids heavy setting-up costs.
Individually structured development loans for residential and commercial projects, with finance available for site purchase, construction and fees, refinance, equity release and to provide working capital. Loans are available up to 90% of the site cost.
We have a commitment to innovation and with the ever changing financial landscape around us we have designed a range of unique Specialist Lending products that solve a range of property lending needs.
Heavy Refurbishment Bridging Loan
Designed for brokers supporting clients with major property transformations
When your client needs swift funding for a substantial refurbishment or conversion, our Heavy Refurbishment Bridging Loan delivers the speed, flexibility, and support required for success. Whether it’s converting commercial premises to residential use or undertaking significant structural works with planning permission, we provide tailored finance that meets the demands of complex projects.
We assess each project on its own merits — including contractor proposals, plans, elevations, and planning consents. Our in-house team coordinates with valuers and monitoring surveyors to ensure thorough due diligence and a smooth process from start to finish.
We fund the entire cost of the project, including rolled-up interest, and agree from the outset both the initial purchase loan and the final release available on completion of works. Our dedicated asset managers stay in regular contact, carrying out site visits as needed to facilitate prompt stage payments, resolve issues early, and help your clients capitalise on emerging opportunities.
Once practical completion is achieved, we reduce the rate of interest, providing cost efficiency until the loan is repaid — whether via sale, refinance, or transfer to an Alternative Term Loan.
Already registered? Login now to apply online or call us on 0208 349 5190 to discuss your next Heavy Refurbishment case .
Please contact us to discuss your Heavy Refurbishment Bridging loan in more detail with one of our experienced BDM’s. We’ll quickly make a decision regarding your requirements and will ensure fast progression of your refurbishment loan. (amounts may vary)
Register Contact Us
You will automatically be directed to download an application form when you register.
Loan Term 3 – 24 Months
Minimum Loan £500,000
Maximum Loan £3,000,000
Fees Exit Fees 1%
LTV up to 70% LTGDV (90% LTC)
Interest from 0.995%
Definitions
Features
Alternative Bridging Corporation’s Heavy Refurbishment Loan is available for improvement, refurbishment and extension.
Find out all the answers to your frequently asked questions about our Refurbishment Bridging Loans.
Heavy Refurbishment Bridging Loans explained:
Our Heavy Refurbishment loans provide finance for converting commercial premises for residential use. They are also suitable for structural reconfiguration and extension of existing residential properties for which planning permission may be required.
Our refurbishment loans can support refurbishment works on any existing structure including conversion, renovation or extension projects. Our refurbishment loans allow for light or heavy refurbishment works. Heavy duty works are inclusive of structural changes and minor development, including works to a basement, change of use or converting a residential property to HMO for investment.
Our Heavy Refurb Loan includes decoration and installation within an existing structure:
Our Heavy Refurbishment loans are available for properties including:
You can take a Property Refurbishment loan against a wide range of property types, but there are some exceptions for which we generally do not offer finance. These typically relate to the more unusual or agricultural end of the market and include:
In certain instances, for example where a larger holding includes one of the above as a small part of it, we may, dependent on the project and borrower specifics, be able to make an exception, so treat the above list as indicative and call us to explore your project finance options.
Our Heavy Refurbishment loans start at £500,000. The maximum loan is £3,000,000.
The loan to value (LTV) is up to 70%. As noted above, these terms are indicative, so please get in touch to discuss any associated refurbishment fees on your project with us. Depending on your circumstances, the property, the projected value etc., we may be able to vary amounts and terms.
That’s the beauty of arranging Heavy Property Refurbishment with us – we like to say yes. Let us say yes to you, simply and swiftly.
To discuss your current or pending lending needs, get in touch today.
