Refurbishment

We aid borrowers with their refurbishment and conversion projects where the purchase loan is greater than the build facility. These could include from the very simple, such as installing kitchens and bathrooms, to the more complex such as extensions, adding a floor to an existing structure, conversion from commercial to residential and the majority of value-add capital opportunities including where planning permission and build regulation approval is required.

We can cover 100% of the works. We find a way to make it work from complex ownership structures to grand designs. Appetite is up to 85% LTC and 75% LTGDV based on open market value.

Min property value £300,000
Min loan size
£200,000
Max loan size
£3m+
Rate
From 12% p.a.
Term
Up to 24 months
Arrangement fee
From 2%
Early repayment charge
None
Exit fee
From 1%
Max LTV
85%
Max day 1 LTV
75%
Max LTGDV
75%

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