Who we are
A broker that only does refurbishment
Refurbishment finance is a narrow product with wide variation between lenders. We specialise in it deliberately: one product family, known criteria, and packaging that gets projects approved first time.
What we actually do
We arrange light and heavy refurbishment bridging loans, refurbishment mortgages and the exit finance that follows them, for investors, landlords and developers across the UK. The work is unglamorous: rebuilding schedules of works so they read the way underwriters need, evidencing GDVs with real comparables, testing exits against live term criteria before the bridge completes, and competing a shortlist of genuinely suitable lenders rather than spraying applications.
We are part of a group of specialist property finance brokerages covering bridging, development and commercial mortgages, which means projects that outgrow refurbishment finance (a conversion that becomes ground-up, a refurb that becomes a development exit) move to the right desk without starting again.
How we charge
A broker fee quoted up front when we issue indicative terms, plus the procuration fee lenders pay brokers. No fee for an initial assessment, and if we do not think your project is financeable as presented we will say so and tell you what would change the answer.
What we do not do
We do not arrange regulated lending. If you or an immediate family member will live in the property, the loan is regulated bridging and we refer it to a regulated firm. We do not provide tax, valuation or planning advice, though we will tell you when you need it and often who to ask. And we do not submit applications we expect to fail: a decline on your record helps nobody.
Talk to us about your project
Tell us the property, the schedule of works and the exit. We will come back with indicative terms, usually the same working day.