Scale Your Portfolio with Refurbishment Finance
Get fast refurbishment finance to upgrade and prepare your property for rental. Secure flexible funding options with no changes to your existing mortgage structure
Tailored Refurbishment Bridging Loans
Our property refurbishment loans are customised for developers and landlords undertaking projects from light refurbishments to full conversions. Each loan is aligned with your exit strategy, whether you intend to sell or refinance, ensuring your capital stays fluid throughout the renovation.
High Leverage (LTV)
Secure up to 75% of the purchase price in LTV to keep your personal capital free for other investment opportunities.
100% Cost of Works
Access refurbishment finance that covers 100% of your renovation costs, typically released in arrears as value is added.
Rolled-up Interest
Avoid monthly cash flow strain with the option to roll up interest, paying the total cost only at the end of the loan term.
Rapid Drawdown
Close deals faster with a refurbishment bridging loan designed for speed, often funding in as little as 5 to 10 working days.
Flexible Exit Terms
Choose terms from 1 to 24 months with no early exit fees, allowing you to settle the loan as soon as the project is tenant-ready.
Scale Your Portfolio with Refurbishment Bridging
Traditional lenders often reject properties in poor condition, stalling your progress. Our refurbishment bridging loans bridge this gap by focusing on the future value of your asset. This allows you to acquire unmortgageable properties, complete essential renovations, and exit onto a long-term mortgage or sell for a significant profit without tying up all your personal capital.
Expert Brokerage for Complex Refurbishment
Finance
Whole-of-Market Access
We scan the entire lending landscape to find refurbishment finance terms that high-street banks simply cannot match.
Dedicated Underwriting Support
Our team works directly with surveyors and solicitors to bypass traditional red tape and accelerate your drawdown.
Exit Strategy Planning
Rainstone Money don’t just bridge the gap, we pre-calculate your refinance options to a term mortgage, ensuring a seamless transition.
Auction-Speed Execution
Move with the confidence of a cash buyer. We prioritise speed to meet the strict 28-day completion windows required at auction.
Complex Case Specialists
From HMO conversions to heavy structural changes, we thrive on the “difficult” deals that other brokers turn away.
Transparent Rates for Every Property Transformation
We provide clear, market-leading rates tailored to your project’s risk and exit strategy. By focusing on the potential value of your asset, we offer high-leverage solutions that traditional banks can’t match, ensuring your renovation stays profitable from first drawdown to final sale or refinance.
Interest Rates
Rates starting from 0.49% to 0.95% per month, depending on project risk and leverage.
Loan-to-Value (LTV)
Up to 75% LTV on day one, with additional funding available for 100% of renovation costs.
Project Types
Light cosmetic updates, heavy structural renovations, HMO conversions, and commercial-to-residential projects.
Loan Amounts
Flexible facilities ranging from £50,000 to £10,000,000+ to support single flips or large developments.
Standard Bridging vs. Refurbishment Finance
As your specialist broker, Rainstone Money negotiates bespoke terms that traditional banks miss. We secure high-leverage funding that covers both your purchase and 100% of renovation costs.
Standard Bridging Loan
- Lump Sum Funding: A single upfront payment is provided to purchase the property, with no additional capital allocated for renovation works.
- “As-Is” Valuation: Lending is based on the property’s current market value, which can limit leverage on properties in poor condition.
- Cash-Heavy Projects: Renovation costs such as materials and labour must be funded from your own reserves, which can reduce liquidity for future deals.
Refurbishment Finance
- Staged Facility: Provides initial capital for the purchase plus a pre-agreed facility to fund up to 100% of construction or renovation costs.
- GDV Valuation: Lending is based on the Gross Development Value (future value after works), allowing higher borrowing potential.
- Liquidity Preservation: Construction costs are released in stages (often in arrears) as value is added, helping keep your personal capital free for additional investments.
of construction costs
Frequently Asked Questions
Quick Answers To Your Refurbishment Bridging Loan Questions
How much can I borrow for a refurbishment project?
A solid financial plan ought to cover a thorough look at your personal goals and aspirations, alongside an evaluation of your investment holdings. It should map out your expected income and expenses both before and after retirement, weigh the pros and cons of different retirement and investment account options, and outline strategies for retirement preparation, tax efficiency, charitable contributions, and safeguarding your assets through insurance.
On top of that, it should offer clear, actionable advice and steps to turn your goals into reality. To guide you toward the best decisions, a good plan will also lay out a variety of potential scenarios—plus some alternative ones—for you to consider.
What is the difference between light and heavy refurbishment?
Retirement age varies widely from person to person. The big question is whether you’ve got enough saved up to support the lifestyle you’re aiming for, especially since retirement could stretch on for 30 years or longer. Your income during those years will likely come from a mix of sources: retirement accounts and savings, a pension if you have one, brokerage accounts, Social Security payments, annuity income if you’ve set that up, and any other investments you’ve built over time.
How are the renovation funds released?
We base our investment approach on evidence and decades of market history, not guesswork about the future. Research shows market timing doesn’t work. Instead, we focus on what you can control: risk, asset allocation, costs, and taxes. Emotional decisions often hurt long-term returns, so we aim to avoid those pitfalls.
Diversification lowers risk—not just by holding many assets, but by mixing company sizes, sectors, and balancing stocks and bonds. Risk can’t be erased, but it can be managed.
We keep expenses low with cost-effective mutual funds and ETFs, since high fees can erode even a well-diversified portfolio’s gains.
Taxes matter too. While unavoidable, they can be minimized with a smart, tax-aware strategy.
Can I use refurbishment finance for auction properties?
Absolutely, you’ll have your own personal advisor. At Execor, we’re all about building a strong, one-on-one connection between you and your advisor. We know everyone’s financial path is different, so we pair every client with a dedicated advisor who’s focused on getting to know you and helping you reach your unique financial goals.
Are there fees for early repayment?
Absolutely, you’ll have your own personal advisor. At Execor, we’re all about building a strong, one-on-one connection between you and your advisor. We know everyone’s financial path is different, so we pair every client with a dedicated advisor who’s focused on getting to know you and helping you reach your unique financial goals.