Property Conversion Finance

Specialist development finance loans to ensure your conversion project comes in on time and on budget.

More Info Below

BFS provides fast and flexible property conversion finance where the goal is to improve or upgrade an existing property in order to increase its value – and your returns.

Whether you’re converting an office building to an HMO or a rural barn into a liveable space, or an ex pub into apartments we can make it happen.

While many high street lenders will not lend on uninhabitable properties, we specialise in lending against properties requiring refurbishment or conversion.

We have many clients who complete multiple property transactions of this nature each year and the speed with which we can arrange facilities often ensures that properties can be purchased at genuine discounts.


We can finance:

  • The conversion of lofts, cellars, and garages
  • Commercial-to-residential conversions (e.g. turning churches or former offices into flats)
  • Converting pubs into residential property
  • Barn or farm building conversions


Conversion finance that suits your needs

With additional security, we can provide up to 100% of the funds required. Funding towards the purchase can be released at the start of the project and staged payments as you reach specifically agreed points during the refurbishment.

As a principal lender, we have the flexibility to make you an offer within hours – and draw funds within days. We have more than a decade of experience and a proven track record in funding schemes of this kind.


Find out more about other uses of our development finance loans

Residential Development Finance >
Self-build Mortgages >
Property Refurbishment Finance >


Make it happen

We offer property conversion finance from £25k up to £2m and lend against properties in England and Wales. Please contact us and speak to one of our experienced and friendly team to discuss your specific circumstances.

Lending Criteria

Minimum loan


Maximum loan


Maximum loan to value

70% OMV

Loan term

1 day to 24 months

Upfront fee


Product fee


Exit fee


Expiry fee


Redemption fee


Hidden costs


We are a principal lender which means that we work with our own money and do not need to consult any third parties before completing a transaction.

We have years’ of experience and a proven track record in funding schemes from £25k to £2m. This is why we can make you an offer within hours – and draw funds in days, not weeks.

BFS is regulated by the Financial Conduct Authority (FCA) which demonstrates our reputation as a responsible lender.

property conversion bridging

Apply for Conversion or Refurbishment Finance Online

If you're purchasing a property which is missing a kitchen, a bathroom, or electricity, you won't qualify for a buy-to-let mortgage from a high street bank. But BFS can make it happen!

Got questions? speak to our team

call us on
0151 639 7554
or start online
Apply Now