Property Refurbishment Finance

Traditional lenders will not lend against a house requiring refurbishment - but we will.

More Info Below

Property refurbishment finance is a type of short-term loan designed for property professionals (investors, developers and landlords) who are looking to refurbish a property and increase its value before selling it on or renting it out. This type of finance is usually used to improve or upgrade residential properties, but we will also consider commercial assets as security.

BFS are happy to fund light refurbishments, where no planning permission is required, and the general use and nature of the property are unaltered. Works of this nature will include new bathrooms, kitchens, decorating, electrical work and new windows. We are also happy to fund heavy refurbishments, where the works change the nature or use of the property and will require planning permission and will need to strictly adhere to building regulations.


How does it work?

We specialise in lending against properties requiring refurbishment works and with additional security, we can provide up to 100% of funds required. We have many clients who will transact multiple transactions of this nature each year and the speed with which we are able to arrange facilities often ensures that properties can be purchased at genuine discounts. The full amount of the loan can be released at the start of the project or alternatively via staged payments as you reach specifically agreed points during the refurbishment.


Find out more about other uses of our development finance loans

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


Make it happen

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