Why Use Refurbishment Bridging?

If you’re buying a property that needs work before renting, refinancing, or selling, refurbishment bridging finance gives you the ability to fund both the purchase and the renovation — without tying up all your capital upfront.

It’s perfect when:

🔧 The property is unmortgageable in its current state
🏚️ You want to add value through refurbishment
📈 You’re planning a flip or refinance based on uplift
⚡ You need funds quickly to secure the purchase
💷 You want the lender to cover 100% of refurb costs

From cosmetic updates to full structural changes, refurb bridging ensures your project moves smoothly from purchase to completion.

Types of Refurbishment Bridging

We help investors secure finance for:

🛠️ Light Refurbishment
Cosmetic upgrades such as kitchens, bathrooms, flooring, decoration.

🏗️ Heavy Refurbishment
Structural changes, extensions, conversions, layout alterations.

🏘️ Bridge-to-Let
Buy → refurb → refinance onto a long-term buy-to-let mortgage.

💸 Bridge-to-Sell
Buy → refurb → sell for profit.

🏚️ Unmortgageable Properties
Bridging allows you to buy and improve properties that mainstream lenders won’t touch.

How Refurbishment Bridging Works

Refurb lenders typically provide:

💷 70–75% of the purchase price
🔧 100% of refurb costs (released in stages)
📈 Loans based on GDV for uplift or resale projects

Funds are released in structured tranches to match the build stages — ensuring you always have cashflow to progress the work.

We help map out your project plan so lenders fully understand the uplift and exit.

How We Work

Refurb projects require tight coordination — we handle it all.

📞 Initial Chat — Same Day
We assess the property, works, costings, and uplift potential.

📄 Terms Within 24 Hours
We approach lenders who specialise in your level of refurbishment.

🔍 Valuation & Monitoring
We liaise with valuers and monitoring surveyors to keep things moving.

💷 Quick Completion
Most refurb bridging deals complete within 10–14 days.

Our team ensures the lender, solicitor, and surveyor all stay aligned — saving you time, stress, and delays.

Why Investors Choose The Funding Group

We help you:

🔥 Fund both purchase + works efficiently
🔧 Access lenders for light, medium, and heavy refurb
📈 Maximise your ROI through GDV-based lending
🏗️ Build a professional funding strategy for long-term portfolio growth
⚡ Move quickly on value-add opportunities
🧱 Confidently fund flips, BRRR, and development prep

We’re not just finding you a loan — we’re supporting your entire project.

Power Your Refurb Project With Fast, Flexible Funding

Whether it’s a simple refresh or a full-scale transformation, we help you get the finance right from day one.

👉 Get a same-day quote or call 08000 699 500

Refurb Bridging FAQs

Can lenders fund 100% of refurbishment costs?
Yes — subject to valuation, uplift potential, and project plan.

What types of refurbishment qualify?
Everything from cosmetic works to structural changes.

Do I need experience?
Experience is helpful for heavy projects but not always required.

What rates can I expect?
Rates start around 0.55% per month depending on project complexity.