From a light cosmetic refresh to a heavy structural refurbishment, our bridging finance can fund the works as well as the purchase.
We have whole of the market access allowing us to find our customers the best possible deal.
Refurbishment bridging loans are designed for buying a property that needs work before it can be sold, mortgaged conventionally, or let out. Lenders typically split refurbishment into two tiers: light refurbishment, covering cosmetic works like a new kitchen or bathroom that don't need planning permission or building regulation sign-off, and heavy refurbishment, covering structural work, extensions or a change of use.
Funds are usually released in stages, with an initial advance to complete the purchase followed by drawdowns against the works as they're carried out — helping keep your cash flow under control throughout the project.
Borrow against the property's value after the works too, not just its current condition, increasing what you can raise.
Release funds as the project progresses, rather than tying up all your capital from day one.
Ideal for investors buying, refurbishing, renting and refinancing, with a clear route to exit onto a standard mortgage.
A bridging loan that funds the purchase of a property needing work, and often the cost of the works too, before it's sold, let or refinanced onto a standard mortgage.
Light refurbishment covers cosmetic work, such as a new kitchen or bathroom, that doesn't need planning permission or building regulations sign-off. Heavy refurbishment covers structural work, extensions or a change of use.
Usually in stages — an initial advance to complete the purchase, then drawdowns against the works as they're carried out.
Yes. It suits buy, refurbish, rent and refinance projects, with the exit onto a buy-to-let mortgage once the works are finished.
No. Raise Commercial Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange unregulated commercial and investment property finance only. We never lend against a property that is or will become the borrower's or their family's home.
