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    New customers
    0800 032 3737
    Existing customers
    0800 980 6262
    Request a call back
    Make a payment
New clients
0800 032 3737
Existing clients
0800 980 6262
Request a call back
Make a payment
Contact us
Contact us

Light Refurbishment Bridging Loans

Quick and straightforward First and Second Charge Light Refurbishment Bridging Loans

  • Loans from £25k-£500k
  • Pay monthly or at term end
  • No Legal Fees on second charges in England, Wales, and Scotland
  • Adverse credit considered 
  • Automated valuations (AVM) accepted
Enquire Now
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Why choose Mercantile Trust?

With our common sense approach to lending, we offer flexible and quick solutions tailored to your needs.

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Borrow from £25,000 to £500,000
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Borrow up to 75% Loan-to-Value (LTV)
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Lower value properties, from just £75,000
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Lending across the UK: England, Wales, Scotland, and Northern Ireland
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Available on all rental properties: Holiday Lets, HMOs, MUFBs, and Student Lets
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Personal & Limited Company borrowers welcome
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What is a Light Refurbishment Bridging Loan?

A Light Refurbishment Bridging Loan is a short-term property finance solution used to fund minor renovations or improvements on a property, typically before selling, refinancing, or renting it out. It’s a flexible type of bridging loan specifically designed for non-structural or cosmetic work. 

0800 032 3737

Light Refurbishment Bridging Loan criteria

  • Nationwide Coverage: Available for properties across England, Scotland, Wales, and Northern Ireland
  • Flexible Loan Options: First and second charge loans available
  • Competitive LTV: Borrow up to 75% loan-to-value (LTV)
  • Diverse Property Types: Most construction types accepted
  • No Legal Fees on second charges in England, Wales, and Scotland
  • Affordable Entry: Minimum property value of £75,000
  • Landlord-Friendly Terms: No minimum income required for existing landlords
  • Loan Sizes: Borrow from £25,000 to £500,000
  • Flexible Repayment: Choose monthly payments or repay at the end of the term
  • No Early Repayment Charges: Repay early with no penalties, just a discharge fee of £245 applies
Enquire Now

Application process 

1

Simply fill out the Enquiry Form to arrange a call back or call our expert team on 0800 032 3737


2

We will take time to understand what you want to achieve and ensure you qualify for a loan with us


3

If approved you could have the funds in 48 hours

Ready to get started? 

We are here for anyone who needs flexible and tailored loan solutions. Whether you have complex income, have imperfect credit, are employed or self-employed, or need faster access to funds than a high street lender can offer — we’re here to help.

Let’s discuss how we can help your next investment. Speak to an expert.

0800 032 3737

Common questions about Bridging Loans

 

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© 2025 Mercantile Trust. All rights reserved.
Postal address: Mercantile Trust Limited, Building 2, Axis, Rhodes Way, Watford, Hertfordshire, WD24 4YW.
Registered Office: 25-27 Surrey Street, Norwich, Norfolk, NR1 3NX. Mercantile Trust is registered in England No: 07023863.

Our loan products are not regulated by the Financial Conduct Authority.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.