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

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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

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0116 402 9194

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Find us at:

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

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