Property Refurbishment Finance
Whether you’re a first-time investor or an experienced property developer, securing the right property refurbishment finance can make all the difference to your project’s success.
At Pure Property Finance, we work closely with property investors and property developers to arrange tailored funding solutions for every type of refurbishment, from simple upgrades to full-scale developments. You’ll never be treated like a number; instead, you’ll receive a personalised service backed by expert knowledge and efficient delivery..
You’re in safe hands
We specialise in sourcing the most suitable refurbishment loan or loan for refurbishment, ensuring your project runs smoothly from start to finish.
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Up to 100% funding
a Personal approach
Access to 100+ lenders
Structured, bespoke deals
Quick turnaround times
All levels of debt & equity
Up to 100% funding
a Personal approach
Access to 100+ lenders
Structured, bespoke deals
Quick turnaround times
All levels of debt & equity
Up to 100% funding
a Personal approach
Access to 100+ lenders
Structured, bespoke deals
Quick turnaround times
All levels of debt & equity
Up to 100% funding
a Personal approach
Access to 100+ lenders
Structured, bespoke deals
Quick turnaround times
All levels of debt & equity
Up to 100% funding
a Personal approach
Access to 100+ lenders
Structured, bespoke deals
Quick turnaround times
All levels of debt & equity
Up to 100% funding
a Personal approach
Access to 100+ lenders
Structured, bespoke deals
Quick turnaround times
All levels of debt & equity
Property refurbishment finance at a glance
- Light, medium and heavy refurbishment projects supported (including light refurbishment)
- Up to 100% funding available for build and professional costs*
- Lending assessed against the projected end value (GDV)
- No exit fees
- Flexible solutions including refurbishment bridging loans
- *Lending possible against the end value of the property when completed
Flexible finance for every project
When refurbishing a residential or commercial property, having access to the right funding is essential. A specialist refurbishment finance lender can provide the capital needed not just to complete your project, but to maximise its value.
Our property development refurbishment finance solutions are designed to support everything from cosmetic improvements to structural renovations. In many cases, funding can cover both the purchase price and refurbishment costs.
Unlike many high-street lenders, we work with a wide panel of specialist lenders, giving you access to competitive and flexible refurbishment finance options that suit your goals.
Refurbishment mortgages and loans tailored to you
No two projects are the same, which is why we take a tailored approach to every refurbishment loan application.
Our experienced team will guide you through the process, helping you secure the right refurbishment bridging loan or longer-term finance solution based on your specific needs, timelines, and exit strategy.
We can arrange finance to cover:
- Residential and commercial property
- Full and partial refurbishments
- Conversions and change of use
- Extensions and structural works
- Building materials and labour costs
- Professional fees and contingency budgets
With access to a wide range of lenders, we focus on finding the right deal for you. We won’t just find you the lowest rate, but we’ll also find the most suitable structure for your project.
FAQs about property refurbishment finance
What is property refurbishment finance?
Property refurbishment finance is a type of funding designed to help property investors and developers purchase and renovate a property. It can cover both the acquisition and the cost of works, and is often structured as a short-term loan, such as a refurbishment bridging loan.
Can development finance cover land purchase costs?
Yes, property development refurbishment finance can often include land purchase costs, particularly if you are planning a development project. The level of funding will depend on the lender, your experience, and the project’s viability.
What are the advantages of refurbishment finance?
Refurbishment finance offers several key benefits:
- Access to higher leverage, sometimes up to 100% of costs
- Faster access to funds compared to traditional mortgages
- Flexibility for different project types (including light refurbishment)
- Ability to add value and increase property returns
Who is eligible for a refurbishment loan?
Eligibility depends on the lender, but normally includes property investors and landlords, as well as experienced and first-time property developers. Others who are also eligible include individuals or companies purchasing residential or commercial property
But most importantly, we’ll be assessing your experience, credit profile, and the strength of the project.
Can I use a refurbishment loan if I am buying at auction?
Yes. A refurbishment bridging loan is commonly used for auction purchases because funds can be arranged quickly, which is great as these types of purchases usually have tight completion deadlines.
Do I need refurbishment finance or property development finance?
This depends on your project.
- Refurbishment finance is usually suitable for improving existing properties.
- Property development refurbishment finance is more appropriate for ground-up builds or major structural changes.
- We can help you decide which option is best.
How much can I borrow, and what are typical interest rates?
Borrowing amounts vary depending on the project, but we can offer up to 100% of refurbishment costs (in some cases), with interest rates for a loan for refurbishment usually start from around 0.6% – 1.5% per month, depending on risk and lender criteria.
How long does it take to get funds?
Funding can often be arranged within 1–3 weeks, although some refurbishment bridging loans can be completed even faster depending on the complexity of the case.
