Parameters
Loan size £300k to £250m
LTV Up to 75%
Term 1 to 36 months
Interest Fixed
Heavy Refurbishment and Reconfiguration
- Structural works, extensions, layout reconfigurations, and projects that materially change the internal arrangement of a building. These deals require monitoring surveyor involvement and staged drawdowns aligned to construction progress.
HMO Conversions
- Conversions of standard residential properties into licensed Houses in Multiple Occupation, including the works required to meet local authority HMO licensing standards. We fund acquisition, works, and the bridge to refinance onto a specialist HMO buy-to-let product.
Multi-Unit Freehold Conversions
- Splitting a single freehold property into multiple self-contained units, typically with the goal of selling individually or refinancing the block onto an investment facility. Common with large period properties and former HMOs where unit-level sales generate stronger exit values.
Commercial to Residential
- Conversion of commercial buildings such as offices, retail units, and light industrial space into residential accommodation, whether under permitted development rights or full planning consent. Includes mixed-use schemes where ground-floor commercial is retained alongside upper-floor residential.
Change of Use
- Projects where the value uplift comes from a change in the property’s planning class — including office-to-residential, retail-to-residential, and HMO to multi-unit freehold splits — alongside the physical works needed to deliver the new use.
Speak to our refurbishment finance team to discuss how we can structure a facility around your project.
"Refurbishment finance demands a lender that understands both the financing and the practical realities of the project on site. Our team has decades of experience structuring facilities for HMO conversions, change-of-use schemes, and commercial-to-residential projects across the UK and Europe. We work closely with brokers and borrowers to align drawdowns with the works programme, support delivery, and ensure the facility exits cleanly when the value has been created."