Looking to purchase and refurbish a property but need fast, reliable funding? At Sunrise Commercial Finance, we specialise in helping business owners, landlords, and property investors secure refurbishment bridging loans from trusted lenders across the UK.
As experienced bridging finance brokers, we don’t lend money ourselves. Instead, we work with a wide panel of lenders to secure competitive rates and flexible terms tailored to your specific refurbishment project.
Whether you’re buying at auction, converting a property into an HMO, or planning light structural improvements, we’re here to help you access the right finance, fast.
What is a Refurbishment Bridging Loan?
A refurbishment bridging loan is a short-term loan secured against a property to fund both the purchase and the cost of refurbishment works. It’s designed for time-sensitive projects where traditional mortgage finance isn’t suitable due to property condition or speed of transaction.
This type of loan is particularly useful for:
- Auction purchases requiring a 28-day completion
- Projects needing refurbishment before being mortgageable
- Conversions such as commercial to residential or single let to HMO
- Adding value before resale or refinancing
Unlike traditional mortgages, refurbishment bridging loans are based on the property’s value and exit strategy, not just the borrower’s income or credit score.
Key Loan Terms We Can Secure
Sunrise Commercial Finance can help arrange refurbishment bridging loans with the following terms:
- Up to 95% of the purchase price considered (meaning borrowers must contribute a minimum 5% deposit)
- 100% of refurbishment costs funded, up to 75% of the gross loan-to-GDV (LTGDV)
- Loan sizes from £50,000 to £1,500,000
- Interest typically rolled into the loan, reducing cash flow pressure
- Terms from 3 to 18 months, with early exit options available
Our lenders assess each case individually. By working through a broker like us, you gain access to options that often aren’t available through high street banks or direct lending platforms.
What Refurbishment Projects Are Eligible?
We work with lenders who are open to a broad range of light and moderate refurbishment works, particularly those that fall under permitted development and don’t require full planning permission.
Commonly funded projects include:
- One single-storey extension
- Removal of a load-bearing wall
- Conversion from C3 (single dwelling) to C4 (small HMO) use
- Loft conversions
- Commercial to residential conversions
- Most general refurbishments not requiring planning consent
- For projects with refurbishment costs under £50,000, an asset manager may be used instead of a quantity surveyor, subject to lender approval
If your planned works fall outside this list, get in touch with us. We can assess the scope of the project and determine what funding options are available.
Why Use a Bridging Finance Broker?
Navigating the bridging finance market can be complex — especially for those unfamiliar with the application process, lender criteria, or structuring of deals.
At Sunrise Commercial Finance, we act solely as your broker, working in your best interests to:
- Compare multiple lenders on your behalf
- Secure the most suitable rates and terms
- Provide guidance on structuring the loan for best results
- Assist with valuation, legal, and funding processes
- Help avoid unnecessary delays or rejections
We’re here to simplify the process and help you achieve your project goals efficiently and cost-effectively.
Who Are Refurbishment Bridging Loans For?
Refurbishment bridging loans are ideal for:
- Property investors buying below-market-value or uninhabitable properties
- Landlords upgrading existing stock or converting to HMOs
- Developers repurposing commercial units for residential use
- Business owners investing in mixed-use premises
- First-time investors needing support through the finance process
Whether you’re purchasing at auction or buying through an estate agent, fast access to funds is often the key to securing the deal.
Your Cash Contribution – What to Expect
While lenders may offer up to 95% of the purchase price, it’s important to note that you will need to contribute at least 5% of the purchase price in cash.
This is a standard requirement across the market to demonstrate your commitment to the project and provide a cushion of equity in the deal. For example:
- Purchase price: £200,000
- Maximum loan (95%): £190,000
- Required borrower contribution: £10,000
We’ll help you structure the deal clearly so you understand all costs, including fees, interest, and exit strategies, before you commit.
Why Work with Sunrise Commercial Finance?
As a specialist bridging finance broker, we offer more than just access to lenders. We bring:
- Market knowledge to help you choose the right product
- Access to non-public lender deals
- Expert support with valuations, legals, and fund release
- A focus on your end goal — whether it’s to flip, refinance, or hold
Our mission is to help you move quickly, avoid costly mistakes, and maximise your return on investment.
Case Study Example
A property investor approached us to purchase a vacant commercial unit with permitted development rights for conversion to residential. We arranged a bridging loan that covered 95% of the purchase price and 100% of the £60,000 refurbishment costs, with the total loan remaining within 75% of the projected GDV.
The investor completed works in four months and exited via a buy-to-let remortgage — releasing equity for their next project.
Ready to Discuss Your Project?
At Sunrise Commercial Finance, we make it our priority to help you fund your project with speed, confidence, and clarity. If you need finance to refurbish a property, convert a building, or fund works before sale or refinance, we can help you find the right solution.
Contact us today to get started:
📞 Call us at 07939 091418
📧 Email: john@sunrisecommercial.co.uk
🌐 Visit: https://www.sunrisecommercial.co.uk/
No pressure, no jargon — just honest, expert guidance to get your project moving.
Final Thoughts – Don’t Let Finance Hold You Back
Success in property investment often comes down to timing and execution. Delays in finance can cost you deals, profits, and opportunities. With a refurbishment bridging loan arranged through Sunrise Commercial Finance, you can move forward with confidence — and focus on what you do best: creating value through smart property projects.
We’re here to ensure you get the right finance, on the right terms, with the right support.
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