Refurbishment

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Get a quote today

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Refurbishment & renovation finance

Bridging loans or mortgage funding for property professionals

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Is your refurbishment project intended to tart and turn? ie. to refurbish and return to the market as a completed project, or do you intend to purchase property in need of refurbishment, renovation or conversion to add to your buy to let portfolio?

Your strategy is important to help us recommend the best lenders and products for your needs.
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Bridging Loans / Short term finance

Advantages;

  • Faster to arrange, streamlined underwriting process.
  • Valuations and legals faster than term loans.
  • Fees and costs typically covered within the loan.
  • Interest can be added/deducted from the advance meaning no repayments are made.

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Refurbishment buy to let mortgages

Advantages

  • No need to refinance when work complete meaning lower fees
  • Lower interest rates
  • Great when the refurbishment is a lower percentage of the purchase price

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Consider the purchase of the property, check out other costs like Stamp Duty Land Tax  and then the potential refurbishment costs, how long the work would take and what contingencies need to be considered.
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Bridging Loans / Short term finance

Loan details;

  • Up to 90% loan to purchase price available.
  • Lower loan to value percentage can reduce costs.
  • For larger conversions or major refurbishment lending against final value is available.
  • Stage payments can  be incorporated to reduce interest costs on larger projects.

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Term mortgages

Typical terms;

  • Up to 75% of  purchase price available.
  • Drawdown against the finished value when works are complete.
  • Lower costs as no re-mortgage required when unit(s) are let.

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Rather than consider the rate of interest when deciding on a project it is more helpful to consider this as a cost of doing business and either roll this into the longer term picture or take it from the profit on sale to ensure the proposition is viable.  acorn.finance specialists can always help with indicative terms to help with your options.
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Bridging

Rates vary from 0.59% to 1.5% per month depending on the property and lending risk
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Term finance

Expect to pay between Base rate + 4% and LIBOR + 5% depending on the loan to value percentage, your experience and the type of property you are purchasing.
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