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Refurbishment Bridging Loans
A refurbishment bridging loan is a practical way to access funds for property improvements that add significant value. From updating a kitchen, bathroom, and redecorating, to more substantial structural renovations, this short-term finance option helps bridge the gap before reselling or potential tenants moving in.
At KSEYE, we provide refurbishment bridging loans to homeowners, landlords and property investors looking to increase the value of their properties, especially when traditional high-street lenders are unable to offer support.
Why a Refurbishment Bridging Loan?
Refurbishment bridging loans are designed to support a wide range of improvement projects, helping to increase the value of a property ahead of resale or long-term financing. Depending on the scale of the works, projects typically fall into either light or heavy refurbishment categories.
Light Refurbishment
These are non-structural improvements where the cost of works is less than 25% of the property’s value. These include:
- Installing a new kitchen and bathroom
- Redecorating and cosmetic upgrades
- Replacing windows, flooring or doors
- Minor electrical or plumbing updates
- General repairs and maintenance
| Rates From | LTV | Minimum Loan | Maximum Loan | Term (months) | Minimum Valuation | Arrangement Fee |
| 0.84% | 65% | £150,000 | £5,000,000 | 3-12 | £250,000 | 2% |
| 0.89% | 70% | £150,000 | £5,000,000 | 3-12 | £250,000 | 2% |
| 0.94% | 75% | £150,000 | £5,000,000 | 3-12 | £250,000 | 2% |
Heavy Refurbishment
These involve structural changes or when the cost of works exceeds 25% of the property’s value. The typical use cases are:
- Extensions or loft conversions
- Reconfiguring internal layouts
- Structural repairs or underpinning
- Full rewiring or plumbing overhauls
- Converting a single dwelling into multiple units (subject to planning)
| Rates From | LTV | Minimum Loan | Maximum Loan | Term (months) | Minimum Valuation | Arrangement Fee |
| 0.99% | 65% | £150,000 | £5,000,000 | 3-12 | £250,000 | 2% |
| 1.04% | 70% | £150,000 | £5,000,000 | 3-12 | £250,000 | 2% |
| 1.09% | 75% | £150,000 | £5,000,000 | 3-12 | £250,000 | 2% |
Why Choose KSEYE?
At KSEYE, we provide straightforward and flexible refurbishment bridging loans for both light and heavy projects. By taking a practical, case-by-case approach to lending, we make it easier for landlords, homeowners, and investors to access the funds they need to get their refurbishments started. Whether you’re reconfiguring a layout or making a property mortgageable, we’re here to support your project with a clear and efficient process.
KSEYE provides a fast, flexible, and tailored approach for each case. Where transactions are subject to time constraints, the swift nature of bridging loans can help to meet deadlines.
To discuss a case, speak to a member of our team today.
Documents We Require
To get your refurbishment bridging loan application moving quickly, we’ll typically need a few key documents. Having these ready can help speed up the process and give us a clearer picture of your project from the start:
- Proof of ID and address
- Details of the property, including a valuation report if available
- A schedule of works, including estimated costs and timelines
- Your proposed exit strategy or long-term finance plan
- Company information if applying through a limited company
Contact our team to discuss your requirements or start an enquiry
