MW Capital Advisory sources specialist refurbishment finance with flexible loan sizes across all UK property types. Fast decisions, expert guidance.
Refurbishment finance bridges the gap between purchasing a property that needs work and the point at which it can be refinanced onto a standard mortgage or sold. Whether you're doing a light cosmetic refresh or a full structural conversion, specialist lenders can fund both the purchase and the works.
Light refurbishment typically covers cosmetic works — kitchens, bathrooms, decoration, flooring — where no structural changes or planning permission are required. Lenders are generally comfortable funding light refurb on day one of the loan, with the full facility available immediately.
Heavy refurbishment covers structural works, extensions, change of use, or anything requiring building regulations approval. Lenders typically fund these in staged drawdowns as works reach agreed milestones — verified by a monitoring surveyor.
The key to a strong refurbishment bridging application is a detailed, costed schedule of works and a realistic GDV valuation. We help clients prepare both before approaching lenders.
Tell us the loan amount, property type, and exit strategy — we'll come back with indicative terms within 24 hours.
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