Our refurbishment loans offer the perfect short-term solutions for smaller, lighter projects by experienced property investors, landlords and developers.

Key features


Light refurbishment work only, no structural works allowed


Available for HMO or MUBs

No valuation fee

No valuation fee payable until loan is approved


Interest roll-up options available

deferred VAT

Ability to convert into a long-term loan

no surveyor

For smaller deals, Building Surveyor or monitoring not usually required

Lending criteria

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Up to 65% initial advance of vacant possession value

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Loans up to £2.5m

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Minimum loan £250k in England and Wales

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Minimum loan £500k in Scotland

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Up to 65% further advance of refurbishment costs, with total borrowing not exceeding 70% of gross development value

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Terms between 9-18 months depending on whether a quantity surveyor is used

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Personal guarantees requested from business owners/directors but are not always mandatory

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Corporate borrowers must be registered in the UK or Crown dependencies

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For borrowing in personal name(s), individual must be a UK resident

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Only available to experienced property investors

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Secured by way of a first legal charge on a property located in England, Scotland or Wales

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    Cambridge & Counties Bank
    Charnwood Court
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    Leicester LE1 6TE

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