Specialist

Renovation Mortgage

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Renovation Mortgage

Clifton private finance

We specialise in sourcing property renovation finance on residential and commercial property transactions in the UK

We can help you get the right finance for your UK residential and commercial renovation projects.

  • Renovation mortgages from £50,000
  • Access to market leading rates
  • Up to 100% refurbishment / renovation finance 
  • Terms of finance from 1 to 36 months
  • Interest roll up options
  • Flexible finance terms up to 24 months on simple & complex developments
  • Finance for new build, conversion or light and heavy refurbishment developments including mixed use and student accommodation
  • We have access to products that require only a 10% deposit to finance the acquisition of property
Our strength is our ability to access a wide range of funding solutions from high street and private banks, specialist lenders, family offices and wealth managers.
Call us on 0203 900 4322 to discuss your requirements.
Recent

Property Finance Deals

£1.05M Time-Critical Bridging Finance to Secure a North London Home
£1.05M Time-Critical Bridging Finance to Secure a North London Home
Area
London
Capital Raised
£1.05M
Date
February 2026
£120K Bridging Loan Secured Against London Buy-to-Let to Complete Renovation in Costa Rica
£120K Bridging Loan Secured Against London Buy-to-Let to Complete Renovation in Costa Rica
Area
Costa Rica
Capital Raised
£120K
Date
February 2026
£850K Commercial Bridging Loan for Care Home Purchase and Renovation
£850K Commercial Bridging Loan for Care Home Purchase and Renovation
Area
Dronfield
Capital Raised
£850K
Date
February 2026

More Opportunities »

Contact Us

Renovation Mortgages Service

Getting the right finance in place, can be the difference between a successful and unsuccessful renovation project.

If you are renovating a property there are a number of factors to consider when sourcing finance.

Traditional finance routes

The majority of individuals will approach a traditional lender such as a bank or building society, as they are readily accessible on the high street. However, traditional lenders may cause more issues than they are worth.

If you are considering approaching a traditional lender for a renovation mortgage, you should note the following:

Experience: If you do not have experience in property development, you will likely be unsuccessful in your application.

Unmortgageable properties: Traditional lenders will not provide a renovation mortgage for properties that are valued under £50,000, have structural issues, do not have a functioning bathroom or kitchen, or are derelict. Therefore, if your property meets the definition of unmortgageable, you will not get a renovation mortgage from a traditional lender. 

Time: Traditional lenders' applications can take up to several weeks or even months to process. Any delay of this length could be costly.

Why use a renovation mortgage?

Renovation mortgages or loans as they are often called are short-term loans that can provide a substantial amount of money in a small period of time; they can temporarily 'bridge' the gap if there is a shortfall in funding before more long-term finance is in place. 

Renovation loans are adaptable and can be used for the following:

Renovation loan features

Although renovation mortgages / loans may vary from lender to lender, there are some features that can be found in the majority of bridging loans:

Higher loan to value(LTV): unlike traditional lenders, bridging loan lenders are prepared to offer up to 80% LTV depending on your set of circumstances

Rolled-up interest: Bridging loan lenders often give you the option to 'roll-up' your interest to pay at the end of the term of finance, allowing you to avoid monthly interest payments.

Exit plan: You will need an exit plan in order to access a bridging loan. An exit plan is the method you intend to use to repay the bridging loan, which gives both you and the lender peace of mind that the finance will be repaid by the end of the term of finance.  

Call us on 0203 900 4322 to discuss your requirements.
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If you have any questions about our services or want to start making things happen please contact us