Refurbishment loans

Fund up to £200,000 of works – with EPC-linked rate discounts for greener upgrades

What we offer

Finance for modernisations, conversions and EPC upgrades

Our refurbishment loans are designed to support projects that enhance, reconfigure or convert residential assets – whether you’re updating interiors or turning houses into flats. If your project improves the property’s EPC rating, you could qualify for a rate discount of up to 0.15% per month (1.80% p.a.). 

We can fund up to £200,000 of refurbishment works, including:

  • Full internal refurbishments, including knock-throughs and reconfigurations 
  • Rear or side extensions 
  • Loft conversions 
  • HMO conversions 
  • Commercial to residential conversions 
  • House to flats conversions 

Loan details

0.70% p.m.

From rate

75%

Max. LTV

12-18

Months term

How it works

A simple step-by-step process – from enquiry to funding. 

Apply for an Agreement in Principle

It may require a mortgage broker

Submit full application

We’ll assess your client and the property 

Property valuation

From our panel of pre-approved surveyors 

Offer & legal review 

Managed by your solicitor 

Loan completion

Draw down funds

Documents & tools

Rates and criteria guideDownload
Product guidelinesDownload
Educational flyerDownload
Intermediary agreement formApply now
Application formApply now

Consumer Duty

We meet all Consumer Duty regulations, ensuring transparency and good customer outcomes.

Find out more

Meet the team

Get in touch with one of our team to find out more

Steve Matthews

Steve Matthews

Head of Residential Lending
Alex Alexandrou

Alex Alexandrou

Head of Residential Sales
Stephen Christmas

Stephen Christmas

Business Development Manager
Dan Rhodes

Dan Rhodes

Business Development Manager
Becky Dixon

Becky Dixon

Business Development Manager
Joe Reynolds

Joe Reynolds

Internal Business Development Manager
Lotty Teague

Lotty Teague

Internal Business Development Manager

FAQs

What types of finance do you offer?  

We offer a range of finance options, including Buy-to-Let Finance, Regulated and Unregulated Bridging, and Light Refurbishment Finance.  

How do I find out the balance of my loan?  

You can easily find your loan balance by requesting a statement from our team. Just email us at [email protected], and we’ll assist you.  

Can I redeem my loan early before the expiry date?  

Yes, you can redeem your loan early. Just keep in mind that there may be early redemption charges, depending on your loan product. For more details, check your loan agreement. You’ll also need to instruct a solicitor to handle the removal of our charge at the land registry. 

What happens at the end of my mortgage term?  

We’ll contact you about six months before your mortgage term ends to discuss your exit plan. Please keep us updated if your contact details change. 

When can I receive my drawdown funds for a refurbishment loan?  

The agreed funds will be released in stages once we get a monitoring report from our asset manager and receive a completed drawdown notice from you. 

Can I extend my loan term end date?  

We don’t offer extensions on the fixed-rate period, but if you’re looking for alternatives or new options, just chat with our team, and we’ll help explore your possibilities.   

Can I update my personal information?  

Yes, keeping your information up to date is important. Please let us know if anything changes, such as your address or Direct Debit details, so we can make sure everything is accurate. 

What happens if I cannot make my payments or if I am experiencing financial difficulty?  

We understand that life can be unpredictable, and we’re here to help. If you’re facing financial difficulties, please get in touch with us as soon as possible so we can work together to find a solution.

Explore more ways we lend

From bridging and development to buy-to-let, we finance a range of property projects. Discover all our specialisms below.