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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Minimum loan £250k

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

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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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Loans up to £2m

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Corporate borrowers must be registered in the UK or Crown dependencies

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Only available to experienced property investors

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Terms up to 9 months

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

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

Our funding solutions

Commercial property

Residential property

Mixed-used property

Haven’t quite found what you’re looking for?

Get in touch with our experienced team or take a look at our Useful documents and FAQs page.

Call us on:

0116 402 9194

email us at:
Find us at:

Cambridge & Counties Bank
Charnwood Court
5B New Walk
Leicester LE1 6TE

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Cambridge & Counties Bank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under firm registration number 579415. Our authorisation can be checked at the Financial Services Register at www.fca.org.uk.

Cambridge & Counties Bank Ltd Registered Office: Charnwood Court, 5b New Walk, Leicester England, LE1 6TE. Registered in England and Wales No. 07972522.

VAT Registration Number GB 208354420.