Refurbishment Bridging Loan

A borrower usually takes out this loan once they have found a property that can be increased in value. e.g. The borrower may know if they complete a refurbishment by fitting in a new kitchen and bathroom on a particular house, the value will increase significantly.

Light Refurbishment

This is when no structural works will take place and the cost of works are below 25% of the property value.

Rates From Min Loan Max Loan LTV (Max) Terms Min Valuation Arrangement Fee
0.93% £150,000 £25,000,000 75% 2-12m £250,000 2%

Light Refurbishment Features Include:

  • Rates from 0.93% pm
  • Up to 75% LTV
  • Terms from 2-12 months
  • Loans from £150,000 – £25m
  • £600 processing/commitment fee upfront (no exit fees)

    Heavy Refurbishment

    This is when the costs of works exceed 25% of the property value and/or when structural works take place.

    Rates From Min Loan Max Loan LTV (Max) Terms Min Valuation Arrangement Fee
    1.03% £150,000 £10,000,000 75% 2-15m £250,000 2%

    Heavy Refurbishment Features Include:

    • Rates from 1.03% pm
    • Up to 75% LTV
    • Terms from 2-15 months
    • Loans from £150,000 – £25m
    • £600 processing/commitment fee upfront (no exit fees)

    Refurbishment Bridging Loan – Case Studies

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    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, register as a broker here.

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