How to Get a Loan to Buy, Refurbish and Sell a Property : The Complete Guide

Investors and developers use property refurbishment finance to buy and refurbish a property before selling it for a profit. If you want to purchase and upgrade a property to increase its value but don’t have the money to complete your project, you might need a refurbishment loan.

Types of Refurbishment Loans

• Light refurbishment: For cosmetic changes or minor improvements (redecoration, new kitchen) that do not require planning permission.
• Heavy refurbishment: For structural changes like extensions or reconfiguring layouts. Requires planning permission and building regulations compliance.

How Much Can I Borrow?

Refurbishment finance typically starts at 75% of the post-refurbishment value of the property. Lenders will assess your income, credit history, and experience.

Provide’s expertise in securing finance solutions for a wide range of property development and refurbishments projects ensures our users benefit from our support.