Heavy Refurbishment Finance
Finance for major refurbishment and conversion projects, planning permission and significant structural works.
FCA Regulated
Extensive Lender Panel
Based in Uxbridge
UK Wide Coverage
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Heavy refurbishment finance covers major structural works, change of use conversions (e.g. office to residential, pub to flats) and projects requiring full planning permission. We arrange finance with staged drawdowns monitored by a quantity surveyor.
What Counts as Heavy Refurbishment?
- Change of use conversions (permitted development or full planning)
- Major structural alterations: removing walls, new floors, extensions
- Full strip-back and rebuild of interior
- Works requiring building regulations sign-off
- Projects where planning permission is required
- Projects with a total cost exceeding 50% of purchase price
How It Works
Heavy refurbishment finance is structured similarly to development finance. You receive an initial tranche for the purchase, then staged drawdowns as works progress, verified by the lender's monitoring surveyor. Interest is typically rolled up.
Frequently Asked Questions
Do I need planning permission first?
For change of use under permitted development rights, you may not need full planning. For other projects, most lenders require planning to be in place. We can advise on the best approach.
What experience do lenders require?
Some lenders require evidence of previous refurbishment experience. Others accept first-time refurbishers with a strong project and professional build team.
Ready to Get Started?
Speak with one of our expert advisers today, initial consultation at our expense, and without obligation.