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Property Refurbishment Finance

planning permission

Property Refurbishment Loans

Bridging loans are used to cover the refurbishment costs of residential or commercial properties. 

These loans are short-term, and designed primarily for property investors, landlords and developers who would like to renovate or convert a property before either renting or selling.

Here at Hunter, we specialise in property finance, using our expertise and knowledge to provide you with solutions that are best for you.

Get in touch with Hunter Finance to discover your property development finance options

Call us today to discuss your eligibility for a loan: 01825 749 721.

There are two types of refurbishment loan:

Light refurbishment loan:

  • These are available for interior renovations
  • Individuals, investors, companies, pensions and trusts can have a light refurbishment loan
  • The work carried out can be completed by the loan applicant or a contractor

Heavy refurbishment loan

  • Heavy refurbishment constitutes any structural renovation to the property. This usually requires planning permission or involves a change to the property’s use
  • This type of renovation loan is short-term and available on residential and business premises
  • Heavy renovation loans are usually offered to borrowers with existing experience in either light or heavy refurbishment projects
  • Includes extensions, extra rooms, as well as all work that comes under light refurbishment

What are the considerations?

Bognor Development LoanWhen deciding upon whether or not to apply for a refurbishment loan, there are a number of things to take into account.

There are a number of benefits to taking out a loan facility loan with us:

  • Properties that are uninhabitable or in a state of disrepair are accepted
  • Up to 60% Loan To Value (LTV)
  • Interest rates and whether interest can be rolled into the loan
  • Exit strategies are considered
  • Security is considered
  • Up to 100% refurbishment costs covered
  • Loans between £100,000 and £2.5 million. Learn more here.

How much can I borrow?

Property refurbishment funding can be calculated in the following ways:

  1. As a fixed percentage of the LTV: This will cover up to 60% of LTV, and typically, the lender fee is 2%
  2. Fixed LTV percentage AND refurbishment costs: This will cover up to 60% of LTV and 100% of renovation costs. The lender fee is 2%.

Get in touch with Hunter Finance to discover your property development finance options

Application process

Property renovation finance is quickly processed, taking between 5 days and 2 weeks.

When applying for either a light or heavy refurbishment loan, you will need to provide:

  • Information regarding your current financial circumstances
  • A list of assets and liabilities (if applicable)
  • Information about the property you want to purchase or refinance
  • Outlines of the planned work on the property estimated timeframe and costs
  • Property estimation (after completed renovation work)
  • Your experience (if any)
  • A detailed and planned exit strategy

See Loan Application Checklist.

Refurbishing your home or a property in your portfolio is an attractive investment option as extensions and renovations can significantly increase the value and profitability of a property.

Enquire now, or call us today on 01825 749 721 to discuss the opportunities available to you.

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If we can help we will say so, if we can’t we will be able to point you in the right direction or suggest alternative financial vehicles.


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