Refurbishment & Development Finance.
From light cosmetic updates to heavy structural builds, we provide the capital to transform properties and maximise your GDV.
Fund Your Vision, Build Your Future.
Transforming a property requires serious capital. Standard mortgages are based on what a property is worth today. Development and refurbishment finance is based on what the property will be worth tomorrow.
Whether you are doing a quick cosmetic flip or a heavy structural extension, we arrange funding that supports your build schedule, often releasing funds in stages so you only pay interest on the money you are actively using.
Common Uses for
Refurb/Development Finance
Light Refurbishment
Funding for projects where no planning permission or structural changes are required (e.g., new windows, kitchens).
Heavy Refurbishment
Funding for structural changes, extensions, or loft conversions that require planning permissions or consent.
HMO Conversions
Buying a 3-bedroom family home and transforming it into a highly profitable 5-bed House in Multiple Occupation (HMO).
The "HMO Upgrade" Scenario.
You buy a standard property with the intention of converting it into a 6-bed HMO to maximize rental yield. The lender provides the initial money to buy the house, and then releases a further £40,000 in "staged drawdowns" as your builders complete the fire-doors, en-suites, and structural work.
Frequently asked questions
Ready to Apply?
Get in touch and one of our advisors can guide you through the process