Refurbishment bridging is a specialist area of property finance. It can make your customer’s property investment work harder for them: your customers can raise funds to refurbish a property in order to leverage higher rental income. Alternatively, they can refurbish a currently unmortgageable property to bring it up to standard for a high street mortgage lender.

Specialist refurbishment bridging loans for your clients

  • First and second charge refurbishment bridging loans
  • For light or heavy refurbishment purposes
  • Loans from £25,000 up to £500,000
  • Lending up to 75% loan to value (LTV)
  • Lower value properties, from just £75,000
  • Individuals and limited companies
  • Non-standard construction properties
  • Adverse credit considered
  • First time landlord/first time buyers with no rental history
  • Properties in England, Wales, Scotland, Northern Ireland

Speak to us today. Your client could get a lending decision in just one call.

Why choose Mercantile Trust?

Customers value our common sense and flexible approach to lending, as we recognise that one size does not fit all. If your customers are looking to purchase an unusual property, their circumstances require personal consideration, perhaps they’ve had credit history issues, or for any other reason they are struggling to borrow, we could be the lender for them.


What is a light refurbishment loan?

A light refurbishment loan is a type of loan that is used to cover costs of minor refurbishment that does not interfere with the structure or layout of a property. Light refurbishment refers to renovations that do not require planning permission.

What is a heavy refurbishment loan?

A heavy refurbishment loan covers large-scale refurbishment on a property, which often involves a structural change and so can result in a change of the use of a property. Such refurbishment can require planning permission.

What can a light refurbishment loan be used for?

Light refurbishment loans can be used for many different types of renovation which don’t change the structure of a property, such as: a kitchen fitting, painting, new flooring, plastering etc.

What can a heavy refurbishment loan be used for?

Heavy refurbishment loans involve adapting the structure of a property and so can consist of adding extensions, the addition of extra rooms, demolitions, property conversions etc.

These improvements can increase the value of a property so if your clients were to resell their property, they can charge a higher price than how much they originally bought the property for.

How much can my client borrow with a refurbishment bridging loan?

This depends on a number of factors:

  • The current value of the security
  • The end value of the security (post refurbishment)
  • Experience in property development
  • The available equity in the property
  • The client’s credit history
  • The term of the loan

At Mercantile Trust, we offer refurbishment bridging loans from £25,000 up to £500,000.

Why use Mercantile Trust for refurbishment finance?

At Mercantile Trust, unlike other lenders, we consider each and every application on its individual merit. No two cases are ever the same and our personal approach to lending allows us to create bespoke solutions for your clients.

View our full criteria here