Straightforward finance to unlock the potential in your property
Product Highlights
Refurbishment Bridging
If you’re planning to upgrade, modernise, or completely transform a property, a refurbishment bridging loan can help you access the funds quickly and with flexibility. Whether it’s a rental property, a semi-commercial building, or a home you plan to sell on, our refurbishment loans are designed to keep your project moving forward.
We can fund up to 100% of the refurbishment costs, with an initial advance of up to 75% of the property’s value (for residential) and 70% (for commercial). That means you can focus on your project while we provide the financial support to make it happen.
From 0.74% per month
LTV: Up to 75%
Minimum loan size: £300,000
Maximum loan size: £10,000,000
Term: 3–24 months
Locations: England, Wales, and Scotland
Interest: Rolled
Security: 1st charge only
Who’s it for?
Refurbishment bridging loans are ideal for people who want to add value to a property through renovation, whether light or heavy works. Typical scenarios include:
- Landlords upgrading properties before letting them out.
- Investors improving homes to sell on at a higher value.
- Owners of semi-commercial property carrying out modernisation.
- Developers working on extensions, conversions, or major refurbishments.
- Buyers at auction who need quick finance to start improvements straight away.
Application process
Once you submit an enquiry we aim to issue indicative terms within hours. Upon acceptance, we move swiftly to underwriting, instruct valuation and legals in parallel, and maintain clear communication throughout. With a proactive approach and dedicated support, we can complete deals in as little as five-to-eight working days.
Get in touch at lendingteam@glenhawk.com
What you can expect from us
Smart decisions, fast
We know refurbishment projects move quickly. Our experienced team makes clear, pragmatic decisions to help you get on site and keep your project on track.
Funding that adapts
Every project is different. We’ll structure finance around your build and exit plan, giving you the flexibility to pivot as the works progress.
Some useful things to know
What types of refurbishment work can this loan cover?
We can support everything from cosmetic improvements (like new kitchens and bathrooms) to larger projects such as extensions, loft conversions, or structural changes.
Do I need refurbishment experience to get a loan?
Not always. If you don’t have direct experience, we’ll want to see that you have a reliable team of contractors or professionals supporting the project.
Can I get a loan if the property is in poor condition?
Yes, we can consider properties that need significant refurbishment, as long as they’re structurally sound.
What’s the difference between light and heavy refurbishment?
- Light refurbishment usually means non-structural improvements, such as decorating, replacing kitchens or bathrooms, or updating flooring and fittings. These works are generally quicker and lower cost.
- Heavy refurbishment involves structural changes, such as extensions, loft or basement conversions, moving walls, or changing the property’s use. These projects often take longer, require planning permission, and may need a monitoring surveyor.
What happens at the end of the loan?
You’ll need to either refinance onto a longer-term mortgage, sell the property, or repay from another source of funds. We’ll discuss your exit plan with you before the loan starts.
What people say about us
"We’ve built a fantastic relationship with the team at Glenhawk. They are a proactive lender, and the underwriting process is clear, consistent and straightforward. There is always someone available to speak with when needed. It’s a pleasure working with such a reliable and accessible lender."
Gurgit, BBA Finance
"Dealing with Glenhawk is straightforward, easy and pleasant. I relish the opportunity to submit an application to them and begin work alongside their 5-star underwriting team."
Fergus, Clifton Private Finance
“Fast funding, clear communication, and outstanding service. It was a smooth process from start to finish. I felt supported every step of the way.”
Laurence Mills, Sedulo
"The Glenhawk SRE team were genuinely commercial – they understood the nuances of the deal and built a structure around it rather than forcing us into a box. Their flexibility made the difference in getting it over the line."
Jon, MC Private Finance
"I’ve been dealing with Steve Wrigley at Glenhawk and I cannot stress how helpful and responsive he is. So helpful and swift to respond to any query/question. I would not hesitate to recommend Glenhawk."
Paul Patel, Faulkner O’Connell Financial
"We recently had the pleasure of working with Glenhawk and cannot speak highly enough of the experience—particularly working with Annaliese, who consistently impresses with her proactive, can-do attitude."
Melanie Johnson, Forecast Finance
"Glenhawk are a pleasure to work with – professional, reliable, and refreshingly straightforward."
Callum, Portway Finance
“Glenhawk have always really helped on deals placed, and have gone above and beyond to achieve the best result, in particular on our last completed deal, which was superb! Thanks all.”
Benjamin Carter, Affinity
"What stood out with Glenhawk SRE is the relationship. Chris and the team were approachable, transparent, and solutions-driven – you always feel they’re working with you, not against you, and that’s rare in today’s market."
Jeni Browne, MFB
"Always a pleasure working with Glenhawk - super straightforward, quick to respond, and genuinely supportive."
Chris, LDN Finance