Refurbishment finance

Separate cosmetic work from structural change

A light refurbishment and a substantial conversion may need different products. A schedule of works, costings and permissions helps a lender assess the plan. We clarify whether costs are funded upfront, in arrears or through staged releases.

How I approach the case

We begin with what you want to achieve, your timescale and any part of the case that needs explaining. I review the evidence and suitable lender routes, then explain the available options and their costs. A recommendation follows the individual assessment; an initial conversation does not commit you to an application.

Where legal, tax or other specialist advice is needed, we identify it early so the finance fits the wider transaction. Tell me about any change in employment, borrowing, deposit or property details before proceeding.

What to prepare

Works schedule and costings
Planning and building-control position
Current and projected value
Contractor details and exit evidence

You do not need every document before saying hello. Start with a short outline; detailed or sensitive records should follow through an agreed secure route.

Before you proceed

A projected end value is not guaranteed. Keep a contingency and confirm whether interest and works costs fit inside the available cash.

Your questions, answered

What does the lender need to understand about the exit?

Explain how and when the short-term loan will be repaid, and the evidence behind that plan. A sale, refinance or other repayment source has different dependencies. Consider what happens if the property takes longer to sell, works run late or a refinance valuation is lower than expected.

Which costs should I ask to see in writing?

Ask for the interest basis, facility term, arrangement fee, legal and valuation costs, any retained interest and the amount actually available at completion. Where applicable, check exit charges and extension terms. The headline facility and the money available to use can differ.

Can we discuss an auction or urgent deadline?

Yes, but share the actual contract deadline and available documents immediately. The valuation, legal work and underwriting still need to be completed. An initial conversation or indicative terms should never be treated as a commitment that money will arrive by a particular date.

Larger loans & individual properties£1m+ borrowing, substantial homes & landOpen the group to explore the loan, property and project pages relevant to your plans.8 routes

Further reading: MoneyHelper: mortgages and homebuying. Content reviewed 9 September 2026. General information; availability depends on the individual case.

Your next step

Let’s talk about your plans.

Start with refurbishment finance. Tell me what you want to achieve and when; we can work out what needs a closer look.

A useful starting point: works schedule and costings; planning and building-control position; current and projected value.

Discuss my options ↗Start on WhatsApp ↗Or call 07456 935677

The property project navigator

One project.
Every important stage.

Choose a project and explore the questions from opportunity to exit. Use it to prepare a brief for Jack, not to assess eligibility.

Bridging brief

A time-sensitive property plan

Establish the deadline, net funds and credible route to repayment.

Bridging · 01 / 03

Start with the property and the deadline.

Bring the address, purchase or refinance purpose, ownership and the actual completion deadline into the same brief.

Auction & time-sensitive purchases ↗

Bridging · 02 / 03

Separate the headline facility from usable funds.

Ask which fees, interest and costs are deducted or paid separately, and when the net funds would be available.

Understand bridging costs ↗

Bridging · 03 / 03

Evidence how the borrowing would end.

A proposed sale or refinance needs a realistic timetable, supporting evidence and a plan for delays.

Refinancing a bridge ↗

Refurbishment brief

Turn the scope of works into a clear brief

Connect the property today with the works, budget and intended use.

Refurbishment · 01 / 03

What changes, and what stays?

Separate repairs, structural works and a change of use. Bring the scope, planning position and contractor information.

Refurbishment finance ↗

Refurbishment · 02 / 03

Show how the work and cash flow connect.

Identify the order of works, payment schedule, available funds and what would happen if costs or dates change.

Property needing work ↗

Refurbishment · 03 / 03

Plan for the finished property.

Explain whether the plan is to let, sell or refinance, with the documents and completion conditions the next lender may need.

Long-term letting finance ↗

Commercial brief

The building and the business behind it

Start with the actual use, borrower and source of repayments.

Commercial · 01 / 03

Who occupies the property?

Distinguish owner-occupied business premises, an investment let and mixed residential-commercial use.

Mixed-use property ↗

Commercial · 02 / 03

Make the income and obligations clear.

The brief may need trading accounts, lease details, tenant information and the wider borrowing position.

Commercial investment ↗

Commercial · 03 / 03

Review the facility alongside the plan.

Discuss costs, security, repayment approach and the business or property timetable before committing.

Owner-occupied commercial ↗

Development brief

From site control to the final exit

Bring the planning, appraisal, build programme and exit into one view.

Development · 01 / 04

Establish the site and planning position.

Explain ownership or acquisition terms, the proposed scheme, permissions and the key conditions or deadlines.

Ground-up development ↗

Development · 02 / 04

Show the costs and equity timeline.

The appraisal should cover land, build costs, professional fees, finance costs, contingency and when funds are needed.

Prepare a development brief ↗

Development · 03 / 04

Match the programme to the cash requirement.

Understand monitoring, release conditions and costs due before a drawdown. Allow for work taking longer or costing more.

Development finance ↗

Development · 04 / 04

Connect completion with sale or refinance.

Bring sales evidence, completion assumptions, warranties and the proposed exit timetable into the initial conversation.

Development exit finance ↗

Turn the questions into a conversation

Discuss your property project.

Open a draft with your chosen project and stage. Review it and add your outline before pressing Send.

Prepare my WhatsApp brief ↗

Finance is subject to individual assessment. Some bridging, commercial and development finance is not regulated by the FCA; the position depends on the transaction. Your property may be repossessed if you do not keep up repayments.

Put it in context

Different situations.
A useful starting point.

Illustrative examples for refurbishment finance. These are not records of actual client outcomes.

01 · ILLUSTRATIVE