Residential & Commercial Refurbishment Loans
Residential & Commercial Refurbishment Finance Solutions
Unlock fast, flexible refurbishment funding to boost property value, improve yields, and deliver profitable exits.
Tailored to the needs of Investors, Developers & Landlords
We arrange refurbishment loans and short-term property finance for residential and commercial renovation projects across the UK.
Whether you’re upgrading a buy-to-let, converting commercial space or delivering significant refurbishment works, our refurbishment funding packages are structured around your project goals — with speed, flexibility and market-leading expertise.
A refurbishment loan is a short-term finance facility that provides working capital to cover property improvement costs, from light upgrades to heavy structural conversions. This type of funding is designed to support projects where timing and value uplift are critical — enabling you to complete works, increase rental income, or prepare for resale or refinance, with confidence.
We Fund a Wide Range of Projects
Our refurbishment finance can be used for:
- Properties bought at auction requiring complete overhaul
- Buy-to-let upgrades to improve rental returns
- Commercial and mixed-use conversions
- Residential properties in need of complete modernisation
- Properties acquired under value for a value-add opportunity
- Planning Consent approved redevelopment schemes to adapt for a new purpose, for example where the objective is to create affordable housing by repurposing abandoned commercial buildings. We can support feasible projects to acquire commercial property with potential for residential-led redevelopment (under Permitted Rights) to contribute to a broader transformation of underutilised sites in towns and cities across the UK.
- Renovation projects with a clear exit strategy
Why Choose Refurbishment Finance?
Investing in a refurbishment can significantly increase property market value, attract quality tenants, reduce long-term maintenance costs, and improve returns — all with capital secured through specialist finance rather than using your own personal cash.
Key Features of Our Refurbishment Loans
- Available for Ltd Companies, SMEs & Individuals
- Finance for residential, commercial & semi-commercial
- Support for light, medium & heavy refurbishment works
- Up to 70% of site acquisition cost
- Up to 100% of Cost of Works
- Security via first or second legal charge
- Competitive Interest rates with roll up of the interest until completion of the project when it will be repaid from sale or refinance of the property into a long-term mortgage.
- Flexible terms up to 24 months
- Staged drawdowns against QS’s certification
- Requires pre-defined exit strategy (sale or refinance)
We assess each refurbishment proposal on its commercial merit and potential uplift, ensuring the best match between your project and lenders’ criteria.
Unique Hybrid Option: Refurbishment Buy-to-Let
For landlords focused on maximising rental income, we offer a Refurbishment Buy-to-Let package. This hybrid product combines fast short-term funding — like a bridging loan — with a clear exit into a long-term buy-to-let mortgage based on the post-refurbishment valuation. One application, one valuation, one set of legals, two financial products.
Speed, Expertise & Market Access
As a whole-of-market commercial finance broker, we leverage our relationships with specialist lenders to secure competitive refurbishment funding quickly — ideal when traditional lenders are slow or restrictive. From initial enquiry to funds released, we guide you at every step.
Ready to Fund Your Project?
Whether you’re enhancing a property for sale, improving rental returns, or unlocking development value, we can help you secure the right refurbishment loan — fast and with expert support.
📞 Call us today on 01962 280 8057 or 07847 409616
Or send an email: hanovercommercial1@gmail.com
Get in touch today!