Acorn Refurb Desk · BRR & Value-Add Property Finance
Bespoke capital for property flips, EPC upgrades, HMO conversions, and structural extensions. Up to 75% Day-1 purchase funding plus 100% of works released in staged tranches.
Prefer to talk? 0207 959 3882
The 4 Refurbishment Pathways
From a ten-day cosmetic refresh to a structural HMO conversion — each pathway is underwritten on the post-works value, not just the purchase price.
Aesthetic updates, kitchen and bathroom replacements, re-wiring, central heating, and EPC upgrades to Band C.
Structural alterations, removing load-bearing walls, rear and side extensions, loft conversions, and re-roofing.
Professional landlords using short-term capital to force appreciation and recycle initial equity into the next deal.
Converting commercial offices and retail into flats, or turning single residential homes into licensed HMOs and MUFBs.
How It Works
The three mechanics that turn short-term refurb capital into recycled deposits and long-term portfolio growth.
The lender advances up to 75% of the purchase price on Day 1. The renovation budget is held in facility and released in stages (tranches) in arrears as work is completed and signed off — keeping your out-of-pocket cash injection to a minimum.
Adding value through structural or cosmetic improvements increases both the capital market value and the potential rental income. This creates instant equity that high-street banks ignore when lending on a standard purchase price.
We pre-package your long-term exit mortgage — Specialist BTL, HMO, MUFB, or Commercial — at the same time as arranging the refurb facility, guaranteeing a smooth transition once practical completion is reached.
Properties without a working kitchen or bathroom, with severe damp or structural defects, are routinely rejected by high-street lenders. Our specialist refurb lines look beyond current condition to focus entirely on Post-Works Value (GDV) — so the worst house on the best street becomes fundable.
Interactive Tool
Model total project cost, the equity you create through the works, and how much of your original capital the refinance pulls back out.
Target Refinance LTV
BRR model: Day-1 advance up to 75% of purchase, 100% of works funded in staged arrears tranches, then refinance onto a long-term mortgage against the post-works value.
The refinance releases £0 of your £225,000 total investment back out, leaving £225,000 tied in against £75,000 of created equity.
Check Refurbishment EligibilityIndicative illustration only. Actual Day-1 advance, works drawdown structure and refinance terms depend on the property, experience, exit strategy and full lender underwriting.
Acorn Finance is a specialist credit broker authorised and regulated by the FCA (#660207), not a tax advisory firm or accountant. Property flipping, structural alterations, Capital Gains Tax (CGT) vs. Income Tax on property trading, Capital Allowances, and Stamp Duty Land Tax (SDLT) refunds on uninhabitable property carry distinct legal and tax implications. The information on this page is designed to highlight key structural considerations so you can lead an informed discussion with your qualified accountant or tax specialist.
Knowledge & Next Steps
Buying uninhabitable or unmortgageable stock? How to fund derelict purchases against post-works value.
Fast short-term capital for auctions, chain breaks and commercial flips at 0.5%–1.5% per month.
The specialist long-term exits for your converted HMOs and multi-unit blocks.
Scaling beyond refurb? Senior debt and stretched facilities for ground-up schemes.
Frequently Asked Questions
Ready to fund your next refurb or BRR project? Speak to the Acorn Refurb Desk on 0207 959 3882.
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