Light Refurbishment Finance

Are you an Investor or Developer with big plans to transform a property? Look no further! Our tailored facilities are your key to certainty. With this pre-agreed solution, you can embark on your project with absolute confidence, guaranteeing its successful completion.

Don’t miss out on this opportunity to supercharge your property ventures!

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  • Loan amounts from £50,000 – £25,000,000+
  • 100% of the refurbishment costs available in staged payments
  • Any addition to the existing structure must not exceed 25% of the total square footage
  • Available for schemes in England and Wales
  • Light and Heavy refurbishment available
  • Must not be a ground-up development

Funds are available to

  • Private Individuals
  • UK and Offshore companies
  • Trusts
  • Foreign Nationals and Expats
  • Newly formed companies (SPV’s)
  • Professional Landlords

Buying property at auction can provide a good opportunity for investors

What they say about us

Discover what our satisfied customers have to say about their experiences with us and join the ranks of happy clients today.

Frequently asked questions

Will applying for a loan affect my credit score?

Yes, applying for a loan can affect your credit score. When you apply for a loan, the lender typically performs a credit check and this is recorded on your credit report, and it can have an impact on your credit score.
It’s important to note that over time, responsible borrowing and timely payments on approved loans can help improve your credit score. However, it’s crucial to be mindful of how frequently you apply for new credit, as multiple applications in a short time frame can have a more significant impact on your creditworthiness.

Can I repay early?

Yes, lenders are usually happy to accept early repayment of their loans, but how they handle such situation can vary between different lenders. There are several factors to consider when looking to repay your loan early such as the lender exit fee and also the minimum interest that is laid out in the loan offer. It is always recommended that you speak to Fast Property Finance in the first instance, if you wish to repay early.
Regarding buy to let mortgages, repaying your mortgage early or paying over your overpayment allowance are some of the most common reasons an Early Repayment Charge (ERC) may apply. An early repayment charge is usually between 1% and 5% of what you still owe on your mortgage agreement.
You might be able to pay less if you have been with your lender a long time, but this is up to the lender. You can choose to pay your early repayment charge in one lump sum. This might make sense if the charge is lower than the amount of interest due on the rest of your mortgage.

How are you different from a bank?

A lender is directly lending you the money. When you shop for finance with a lender directly, you’re doing the legwork of figuring out whether that lender is right for you.
A broker like Fast Property Finance serves as an intermediary between you and the lenders, which include banks. After discussing your needs, we will take care of the rest. We reach out to our contacts at the lenders and come back to you with options that fit your criteria. We then work with you to figure out which loan best suits your circumstances and will continue to facilitate the transaction through to you receiving the funds.

How long does it take?

For bridging loans, if you already own a property in your personal name and require funds between £50,000 and £300,000 urgently, this can be made available to you in as little as 2 days. In some cases, we have been known to complete these within 24 hours.
Every case is unique however on average, a buy to let or commercial purchase should receive a mortgage offer within 3-6 weeks, and completion another 4 weeks from then. This can differ depending on other variables such as the chain the property is in, so may well complete more quickly than that or can potentially take longer. The process for remortgages is a lot quicker, and we would expect the full process to be completed within 6 weeks.
If you need funds to purchase the buy to let or commercial property more quickly than this, say from a property auction, you may find that Bridging Finance is a better option, as this can be completed in around a month which gives you time to get a buy to let mortgage in place at a later date.

What do your customers use their loans for?

There are various situations that can be solved with bridging finance, meaning that it is often used for multiple reasons, such as:
Meeting Transaction Deadlines: Traditionally banks and lenders can take a little bit longer than we wish with approving some loan transactions. Bridging finance can be obtained within hours sometimes.
Chain Break Finance: Bridging loans can be used to cover your finances while you find a new buyer for your home. This means you can go ahead and purchase your new home, and continue with the sale of your old home in the meantime.
Property Auctions:
When seizing the opportunity to acquire a property at auction, you’ll often find yourself with 28 days or less to seal the deal.
This is where our exceptional speed and streamlined approach truly shine. As experts in expediting transactions within tight timeframes, we can offer you the following, to ensure an opportunity is not missed.
Property Refurbishment:
If you are an Investor or Developer with big plans to transform a property, our tailored facilities are your key to certainty. With this pre-agreed solution, you can embark on your project with absolute confidence, guaranteeing its successful completion.
Landlords Looking to Expand:
Building a property portfolio can be an expensive process, and many landlords are reliant upon rent when it comes to purchasing further properties. However, to those not willing to wait, a bridging loan can help your expansion and be repaid by refinancing on to a long-term solution, such as a buy-to-let mortgage.
With regards to commercial mortgages, these can be used to purchase new commercial premises for businesses to trade from, or to remortgage an existing loan that’s secured against an existing property, to raise finance for your business.

What if I need more?

This will be possible provided that the existing loan/mortgage is not in default and there is sufficient equity available to secure the additional borrowing.