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  • When time is a factor
  • Fast & highly flexible
  • Bridging loans
  • Can be a real lifesaver!

Bridging Finance for Property Refurbishment

Bridging finance can be an invaluable tool for funding all types of property refurbishments and renovations. Issued in the form of a short-term secured loan, bridging finance is ideal for 'bridging' temporary financial gaps at an affordable price.

If you are interested in funding a property refurbishment of any kind with bridging finance, call the team at anytime for an obligation-free consultation.

A refurbishment bridging loan (or bridge loan) is a specialist type of bridging loan issued specifically for renovation and refurbishment projects. Property refurbishment bridging loans differ from development finance in that the funds are released in a single lump sum and the eligibility criteria are far more flexible.

For more information on the benefits of bridging finance for property refurbishments or to discuss your requirements in more detail, contact anytime for an obligation-free consultation and a quick quotation.

Why use UK Bridging Loans?

Personal service:

Here at, we take customer satisfaction very seriously. That is why we go the extra mile to provide the best service possible to all of our clients.

Expert advice:

Every member of our team is highly trained and experienced in property and specialist lending products, ensuring our clients get the best products at the best rates.

Flexible lending:

We have access to many specialist lending products that can be tailored to each individual’s needs. We can offer flexible, fast, and cost-effective loans for clients with specific requirements. Deal directly with the lender; no middleman!

Proven track record:

Our track record speaks for itself through our thousands of satisfied clients. Our experience and unrivalled customer service mean that we have many returning clients with whom we have built a long-lasting relationship.


Tech savvy:

We use the latest technology to ensure simplicity, speed, and ease for our clients, as well as highly trained staff to ensure everything runs smoothly.

Tailored loans:

We can tailor loans to suit whatever property funding needs our clients may present. With access to a wide range of lenders, we are able to offer specialist loans at competitive rates.

Frequently asked questions

How soon can a decision be reached?

Bridging finance for property refurbishments can be arranged within a few working days and with no upper limits on how much can be borrowed, charged at an interest rate as low as 0.5% per month. The full balance on a refurbishment bridge loan is usually repaid six to 18 months after the loan is issued, either upon the sale of the property or by transitioning the loan to a longer-term repayment product.

Why choose a refurbishment loan?

The main benefits of bridging finance for renovations and refurbishments are the speed and simplicity of the facility. Bridging finance can be arranged in a matter of days, making it ideal in time-critical situations with strict deadlines. In addition, there are no specific restrictions on how refurbishment bridging finance can be used. The loan itself can be secured against almost any type of property, including the kinds of non-standard (aka unmortgage able) properties mainstream banks are unwilling to lend against.

Repaid promptly, a low-cost bridging loan can be a uniquely affordable facility. Applicants with poor credit and/or no formal proof of income can also qualify for bridging finance if they have assets of sufficient value to provide security for the loan. The applicant's home (or business property) is typically used as security, enabling them to borrow up to 80% LTV against their equity.

What separates light refurbishment loans from heavy refurbishment loans?

Bridging loans for property refurbishments are typically separated into two main categories:

  • Light refurbishments: A light refurbishment bridging loan will typically be issued for non-structural refurbishments that are predominantly cosmetic in nature. This includes all types of interior and exterior decorating, along with electrical wiring, central heating systems, and so on. The installation of a new kitchen or bathroom could also be considered a light refurbishment, depending on the extent of the work required and the total costs of the project. As a rule of thumb, refurbishment projects with total costs of less than 15,000 GBP and with no planning permission required fall within the light refurbishment category.
  • Heavy refurbishments: Most property improvements and renovations calling for planning permission are classified as heavy refurbishments, irrespective of the total costs of the project. Examples of this include property extensions, some types of loft or garage conversion projects, the removal of supporting walls, and repurposing properties. Most refurbishments have total project costs of more than 15,000 GBP, but there are instances where lower-cost renovations may also be classified as heavy refurbishments.

Contact details

pinBusiness Address: Office block 2, Kibworth Business Park, Kibworth Harcourt, Leicestershire, LE8 0EX

callTelephone:  0116 464 5554

Opening hours

Mon-Thurs: 9am-8.30pm

Fri: 9am-5pm

Sat: 10am-5pm

Sun: 11am-5pm

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