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Refurbishment Bridging Loans
Our Services
Free Consultation
Speak with our team for tailored guidance based on your goals and timeline.
Fund your purchase and refurbishment—without slowing the project down
A refurbishment bridging loan is short-term property finance designed for situations where a property needs improvements before it’s suitable for long-term lending or sale. It can be used to support the purchase (or refinance) of a property and, where appropriate, provide funding that aligns with a planned programme of works—helping you increase value and move to the next stage with confidence.
At Lockwell Capital, we work with landlords, investors, and developers who need a practical finance route for properties that require anything from light upgrades to more substantial works. We focus on a clear process, realistic timelines, and structured support from enquiry to completion.
When refurbishment bridging is a good fit
Refurbishment bridging is commonly used when:
- The property is unmortgageable in its current condition (or would be difficult to place with standard lenders)
- You’re purchasing a property that needs modernisation before it can be let or refinanced
- You want to add value through works and refinance onto a Buy-to-Let or longer-term facility
- You’re improving a property for resale (flip strategy)
Types of works we often see
Projects vary, but common examples include:
Kitchens, bathrooms, and cosmetic improvements
Electrical, plumbing, or heating upgrades
Damp and remedial works
Reconfiguration of layout (case dependent)
Structural changes (case dependent)
Bringing a property up to lettable standard for Buy-to-Let refinance
If the works are significant, we’ll look carefully at the plan, timescales, and exit strategy to make sure the structure is realistic.
- Our Process
How it works with Lockwell Capital
01
Quick review
You share the deal basics, the works plan, and your intended exit, and we confirm whether refurbishment bridging is suitable.
02
Indicative terms and checklist
We outline the likely route and provide a clear checklist to keep the process efficient.
03
Completion and progress
Once approved, funding completes so you can move forward with the purchase and planned works.
Typical timeframes
Timeframes depend on the property, the lender, valuation availability, and how quickly documents are provided. The fastest cases usually involve:
- Faqs
Frequently Asked Questions
Yes. Refurbishment bridging is used specifically where works are a key part of the plan and the property may not suit standard mortgage lending initially.
In many cases, yes—this is one of the most common exits. It depends on the final condition, rental income (if Buy-to-Let), and lender criteria.
For many cases, a clear outline of works and a realistic budget helps the application move more smoothly.
Often yes, subject to eligibility and lender requirements.
Get started
If you’re buying or refinancing a property that needs works, tell us what you’re aiming to achieve and we’ll come back with clear next steps.
PHONE NUMBER
+44 (0) 208 135 8485
EMAIL ADDRESS
hello@lockwellfinance.co.uk
