One facility for the purchase and the works. We fund the acquisition on day one and release your refurbishment budget in stages — sized against purchase, total cost and end value simultaneously, so you deploy less of your own capital.
For investors and developers acquiring a property that needs work — light modernisation through to heavy structural refurbishment and conversions. Secured against UK property. Exit by sale or refinance to a term / BTL facility.
A single bridge that funds the buy and the works. Day-one advance against the purchase, with the refurbishment budget drawn down in tranches as the work is completed and signed off. We structure the facility to the tightest of three limits — purchase price, total project cost and end value — and present it across our specialist lender panel.
Indicative criteria across UK-wide bridging lenders, shown as typical maximums. Selected lenders may consider these levels subject to appetite, security, experience and exit. Final terms are lender- and deal-specific. Figures shown are not an offer.
Refurbishment lenders do not lend against a single number. They test the deal against three caps at once and lend to whichever is lowest. Understanding which cap binds is how we maximise your advance — and where most brokers get it wrong.
Day one — the lender advances against the lower of your purchase price and the open-market value, so an inflated price never increases the loan.
The works — up to 100% of the refurbishment budget is available, but released in arrears, tranche by tranche, against a monitoring surveyor signing off completed stages. You fund a stage, it is inspected, you are reimbursed, you start the next.
Interest — typically retained or rolled to term end, so there are no monthly payments. Retained interest and fees reduce the net day-one release.
The exit — sale of the finished property, or refinance onto a term / buy-to-let mortgage once the works are complete and the property is revalued.
The nature of the works determines the lender, the drawdown mechanics and the achievable leverage. We place each deal where it prices best.
Enter the numbers and we'll model the day-one advance, the staged works facility and the constraint that sets your ceiling. Indicative only — not an offer.
Indicative model for guidance only. The advance shown is gross of retained interest, lender arrangement fees, broker and professional fees, which reduce the net day-one release. Cash contribution excludes those fees and acquisition costs (SDLT, legals). All percentages are market-typical maximums across UK bridging lenders, not specific to any one lender; selected lenders may consider these levels subject to appetite, and actual terms depend on the lender, the security, borrower experience and the credibility of the exit. This is not a quote, offer or commitment to lend. Your property may be repossessed if you do not keep up repayments on a loan secured against it.
Give us the deal and the works. We'll size it across our lender panel and come back with options — usually within hours.
Buying a property that needs work
Refinance + fund the works
These two answers help us route your enquiry correctly — they determine whether your loan is regulated.
By submitting this enquiry you consent to Posfin Capital Limited contacting you by phone, SMS, WhatsApp and email regarding secured loan products. Your data is processed in accordance with our Privacy Policy. Posfin Capital Limited acts as a credit broker, not a lender, for brokered products. Your property may be repossessed if you do not keep up repayments on a loan secured against it.
Thank you. We'll review your purchase & refurb deal and contact you — usually within a few hours during business days.
Want an even faster response?
Message Us on WhatsAppOne enquiry, the right route. Each product is matched to the deal — not the easiest option for us.
Fast equitable-charge liquidity when timing is everything.
Explore → 02Flexible specialist first or second charge bridge across our panel.
Explore → Institutional 03Lower-rate institutional bridging for cleaner cases — strong security, clear exit, pricing potentially sharper than standard specialist bridging, subject to underwriting.
Explore → You're here 04Acquisition, works and exit in one facility.
Explore → 05Speed liquidity now, main-loan refinance where appropriate.
Explore → 06Ground-up, structural and staged development funding.
Explore → 07Refinance completed or near-complete schemes onto cheaper capital.
Explore → 08Business and property acquisition structures.
Explore →A senior handling route, not a standard product. Larger, bespoke, multi-security, time-sensitive or awkward legal/title cases that need senior broker structuring.