REFURBISHMENT FINANCE

We provide specialist advice on refurbishment finance for property investors, landlords, and developers looking to improve, convert or renovate residential or commercial properties. Refurbishment finance helps fund both minor and major works, enabling properties to reach full rental or sale potential.

We work with a range of lenders experienced in refurbishment projects to structure financing that aligns with project scope, timelines, and exit strategies.

All advice is provided subject to current lender criteria and individual circumstances.

Our Refurbishment Finance Services Include

Light Refurbishment

Finance for cosmetic improvements, minor repairs, or modernisation to increase rental income or property value.
Heavy Refurbishment / Renovation

Funding for significant structural works, conversions, or multi-unit refurbishments, subject to lender requirements.
Limited Company & SPV Borrowing

Advice for investors using Ltd Companies or SPVs, including newly formed entities, subject to lender acceptance.
Bridge-to-Refurbishment Solutions

Short-term funding bridging acquisition and refurbishment works until the property is ready for long-term financing or letting.

How Refurbishment Finance Is Structured

Refurbishment finance is typically structured with:

Initial advance to acquire or secure the property

Staged drawdowns linked to completed refurbishment milestones

Interest either rolled up or serviced during the refurbishment period

Loan term aligned with project completion and exit strategy

Lenders generally require a clear and credible exit strategy, whether that is letting the property or refinancing onto a buy-to-let mortgage.

How Refurbishment Finance Is Assessed

Lenders typically assess applications based on:

Property type, condition, and scope of works

Planned refurbishment costs and timeline

Project viability and rental or sale projections

Borrower experience and previous track record

Exit strategy and lender security

Independent valuations or surveyor reports are commonly required.

Important Refurbishment & Risk Disclaimer

Refurbishment finance carries additional risks compared with standard buy-to-let lending. Cost overruns, delays, or planning issues may impact project success and lender approval.

We do not provide legal, construction, planning or tax advice and recommend clients seek independent professional advice where required.

Why Use a Specialist Refurbishment Finance Broker

Refurbishment projects require careful planning, lender coordination, and monitoring.

We offer access to specialist refurbishment lenders, expertise with a wide range of property types and project sizes, guidance through valuation, drawdowns, and project monitoring, and support from acquisition through to completion and exit.

All lending is subject to lender underwriting, valuation, and ongoing monitoring.

Who We Work With

We work with:

Property investors and landlords
Limited company and SPV borrowers
Developers undertaking residential or mixed-use refurbishment
Clients purchasing properties requiring refurbishment prior to letting or sale

Each case is assessed individually, and not all applicants or properties will qualify.

Regulatory & Advice Disclaimer

Your property may be repossessed if you do not keep up repayments on your loan.
Refurbishment finance is subject to lender criteria, valuation, and monitoring requirements.
Rates, fees, terms, and lending criteria may change without notice.

CONTACT US

We have so much more information that we would love to share with you so please get in touch

Lawson Financial Ltd is a broker and not a lender

Your home may be repossessed if you do not keep up repayments on your mortgage

Lawson Financial Services will charge a fee for their services. Find out about our fees here.

Lawson Financial Ltd is directly authorised by the FCA