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Refurbishment Finance


Is the property not mortgageable due to its condition? Do you need to do a full refurbishment before selling the property? Then we can help.

It may need decoration, a new bathroom, kitchen, suffer from damp or needs rewiring. Do you want to add an extension or convert the basement or loft? Then we have lenders for you.

Do you want to convert single units to multiple units, commercial to residential, a single let to an HMO or have a new build that requires completion? We will guide you through the various options available to you whilst you build your portfolio.


  • What level of refurbishment will the lender accept;
  • Some work off a percentage of costs and others the work involved;
  • A light refurbishment is non-structural work;
  • Heavy refurbishment covers structural works, where planning permission/building regulations are required;
  • Don’t just focus on the interest rate. Add all the costs up to compare one lender to another;
  • If using a broker ensure they fully understand bridging and don’t go through a third party. This will increase the costs and be slower;
  • What happens if you are late when repaying the loan? Some lenders are flexible others will be in court to repossess before you know it.


  • 1 -24 months;
  • Up to 75% of purchase price;
  • Up to 100% finance with additional security;
  • Special products for HMO conversions, and change of use from Commercial to Residential;
  • Choice of daily or monthly interest rates;
  • Fee-free options;

Searchlight Finance Limited is registered in England and Wales No.07929050 Searchlight Finance Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (http://www.fca.org.uk/register) under reference 743220. The FCA do not regulate Business Buy to Let Mortgages or most Commercial Mortgages and Bridging Finance. ICO Number Z3109319. Your property may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.