Refurbishment Finance
Transform your property with flexible refurbishment finance
Refurbishment finance can help property investors unlock the potential of properties that are tired or underperforming. It is suitable if you are planning light upgrades or full structural renovations. Whatever the reason for your refurbsihment project, we’ll help you secure the right funding.
At Capital B, we have experience across a wide range of projects. We have access to specialist lenders and our team can guide you through every step of the process – from initial planning to funding drawdown and project completion.
Whether your aim is to sell, refinance, or let the property, we can tailor the finance to support your strategy and timeline.
Finance for light and heavy refurbishments
Fast access to funding with flexible terms
Expert support from application to completion
Boost resale value or increase rental yield
Making refurbishment finance simple
Refurbishing a property doesn’t need to be complicated. Whatever your refurbishment plans, we’re here to make the finance process as straightforward as possible.
We’ve answered some of the most common questions to help you decide if refurbishment finance is right for your project.
What is refurbishment finance, and who is it for?
Refurbishment finance is a short-term loan used to fund property improvements. It can be ideal for investors, landlords, and developers looking to enhance property value before refinancing, letting orselling.
What types of refurbishment can I fund?
You can finance for light refurbishments like painting and kitchen upgrades or heavy works such as structural repairs, reconfigurations, or energy-efficiency improvements.
How is it different from development finance?
Refurbishment finance is used typically for existing properties requiring upgrades or repairs. Development finance is often used for ground-up projects or major redevelopments. We can help to advise on which is most suitable for your project.
How much can I borrow for a refurbishment project?
The amount you can borrow depends on the property’s value, the cost of works, and your exit strategy. Loans can cover up to 100% of the works and sometimes a portion of the purchase price.
How quickly can I access funds?
Many refurbishment loans can be arranged quickly – often within a few weeks. Bridging options may offer even faster access if timing is critical.
What’s the repayment process like?
Most refurbishment loans are repaid once the project is complete, either through the sale of the property or by refinancing onto a longer-term mortgage. Interest can often be rolled up to avoid monthly payments during the works.
Can I use refurbishment finance for energy efficiency improvements?
Yes. If you’re upgrading a property to meet EPC standards or improve environmental performance (e.g., new boilers, insulation, solar panels), refurbishment finance can be used to help cover the costs.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
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Development Finance
Fund your property development projects with structured finance solutions covering land acquisition, construction, and project completion.
Refurbishment Finance
Transform properties with specialist renovation funding, offering flexible draw-down facilities aligned to your refurbishment schedule.
Short Term & Bridging Finance
Fast, flexible funding to bridge gaps in property transactions, renovations, or urgent finance needs with quick completion.
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Short Term & Bridging Finance
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Specialist mortgage solutions for over 55s, offering flexible terms and competitive rates tailored to later-life.
Make the most of your property
Whether you’re giving your place a facelift or planning a full-scale renovation, we’ll help you find the right finance to get things moving. With expert advice and access to flexible funding, we’re here to support you every step of the way. Ready to get started? Let’s talk.
