Logo

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

Key features

refurbishment

Light refurbishment work only, no structural works allowed

HMO

Available for HMO or MUBs

No valuation fee

No valuation fee payable until loan is approved

house-interest-icon

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

Feature Check mark

Up to 65% initial advance of vacant possession value

Feature Check mark

Loans up to £2.5m

Feature Check mark

Minimum loan £250k in England and Wales

Feature Check mark

Minimum loan £500k in Scotland

Feature Check mark

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

Feature Check mark

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

Feature Check mark

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

Feature Check mark

Corporate borrowers must be registered in the UK or Crown dependencies

Feature Check mark

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

Feature Check mark

Only available to experienced property investors

Feature Check mark

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

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:

0344 225 3939

email us at:
Find us at:

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

Already a customer?
Take a look at our existing customers FAQs or contact us:

Call us on:
email us at:

    Send us a message








    The personal information you supply to Cambridge & Counties Bank in this form will be processed in accordance with the Data Protection Act 2018 to help your enquiry. We may share this information with other departments, or law enforcement organisations to improve service delivery or for the prevention of crime and fraud where the law allows this. Further information on how we handle your personal information can be found on our Privacy page.

    Contact