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Category: Refurbishment Finance

SPV Mortgage for Refurbishment Projects

A person analyzing renovation plans with a calculator and mortgage documents on a desk.

What is an SPV Refurbishment Mortgage? An SPV refurbishment mortgage is a specialized financial product designed for limited companies that wish to finance refurbishment projects on buy-to-let properties. SPV stands for Special Purpose Vehicle, which is a legal entity created specifically for property investment. This type of mortgage allows companies to borrow against the value […]

Light Refurbishment vs Heavy Refurbishment: What Lenders Classify

A side-by-side comparison of light and heavy refurbishment projects with tools and materials.

Understanding Refurbishment Classifications Refurbishment is a term widely used in property development, referring to the process of renovating or improving a building. This can range from simple cosmetic updates to extensive structural changes. Understanding the classification of refurbishment projects—specifically light and heavy refurbishment—is crucial for property developers, investors, and lenders alike. The classification impacts financing […]

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The advice we give is not FCA regulated. Broker fees: All applications have a non-refundable booking fee of £599. Buy to let mortgages have a completion fee of up to £1,999 for loans under £500,000 or 1% of the loan amount for loans over £500,000. Bridging and Commercial mortgages have a completion fee of either £3,499 for loans under £350,000 or 1% of the loan for loans over £350,000. Booking fees are payable on submission. Completion fees are payable after the mortgage completes, or if you opt not to proceed with a mortgage offer that you previously accepted.

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