Refurbishment Finance
Upgrade, convert or modernise — with finance that funds both purchase and works.
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Refurbishment finance is tailored for developers and landlords looking to buy a property and carry out renovation or conversion works — from light refurbs to heavy HMO conversions or commercial-to-resi projects.
These loans typically fall under the bridging finance category but are structured to release funds in stages. The first portion covers the purchase, and the rest is released in tranches as works progress, often verified by a surveyor or monitoring surveyor.
This finance suits a range of strategies, including BRRR (Buy, Refurbish, Rent, Refinance), turning commercial space into residential flats, or updating tired housing stock to meet rental demand or energy standards. Some lenders also support “permitted development” or “planning gain” strategies.
The right refurbishment finance can unlock value quickly and reduce your upfront capital exposure. Rates vary depending on project scope, borrower experience, and exit plan — which could be a sale or refinance onto a long-term product.
At Lee Robinson Property Finance, we help you structure the deal to suit your timeline, manage risk, and access lenders who understand your vision — not just your numbers.