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 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.
Flexible first and second charge non-regulated loans available on terms from 3 to 5 years.
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 finance needs.
Light Refurbishment Loan
Our light home refurbishment loans fund projects not requiring planning permission and are made in three stages.
For purchase or refinance, to pay for improvements up to 70% of the increased value to enable the release of working capital for your next property refurbishment project. We can arrange refurbishment loans from £250,000 to £3.5M for the improvement of existing buildings prior to lettings or resale.
View our ‘6 steps to funding success’ here.
As amounts can vary, please contact us to discuss your Light Property Refurbishment Loan with one of our experienced BDMs. We will quickly make a decision regarding you home refurbishment requirements and progress your short term loan solution without delay.
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Loan Term 3 – 24 Months
LTV up to 70% LTGDV
Amounts £250,000 – £3,000,000
Interest from 0.75%
Our light refurbishment loan provides fast bridging finance secured on:
Find out all the answers to your frequently asked questions about a Light Refurbishment Bridging Loan or read more about our home refurbishment loans here.
Property Refurbishment loans are short term loans for refurbishments that do NOT require planning permission; for example flat and house refurbishment, retail, industrial and office improvements. These types of loans can be used for flat and house refurbishment, AST investments, student accommodation and HMOs.
We’ll rejuvenate your investment property with our refurbishment bridging loan if you intend to sell it or let it out, an Alternative bridging short-term loan could be just for you.
We’ll work quickly and flexibly to help you complete your purchase as soon as possible.
We’ll consider short-term bridging loans for the purchase of a huge range of commercial and residential premises, including:
Our home refurbishment loans can support refurbishment works on any existing structure including renovation, conversion or extension building projects. Our refurbishment loans allow for light or heavy refurbishment works. Unlike Heavy Refurbishment works that do require planning permission our light refurbishment works do not require any planning permission.
There are some exceptions for which we generally do not offer short term light refurbishment finance on. 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, depending 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.
The loan to Gross Development Value (LTGDV) is up to 70%. As noted above, these terms are indicative, so please get in touch to discuss your project with us. Depending on your circumstances, the property, the projected value etc., we may be able to vary amounts and terms.
We like to say yes to all our short-term loan requests!! Arranging Light Property Refurbishment loans with us makes the complex simple. To ensure we do say yes…
If your latest investment needs some light refurbishment work before you can sell it or move tenants in, our refurbishment bridging loans can provide you with the fast funding you need without impacting an existing mortgage. Our fast lending process means we are flexible and our finance professionals will quickly assess your finances.
Talk to us about your current or future lending needs, don’t delay get in touch today!
