Property Refurbishment Finance
Funding for light and heavy refurbishment, from cosmetic upgrades to structural works and extensions, ahead of sale or refinance.
The distinction between light and heavy refurbishment materially changes pricing and which lenders will engage. We categorise the scheme correctly at the outset so terms do not shift mid-application.
Why Property Refurbishment Finance Requires the Right Lender
What we arrange
- Light refurbishment where no structural change is involved
- Heavy refurbishment including structural work and extensions
- Funding against purchase price plus works
- Exit onto a buy-to-let or residential mortgage, or by sale
Who this is for
- Investors buying below market value to add value
- Landlords upgrading properties to meet EPC requirements
- Owners undertaking works a standard mortgage will not fund
How London FS helps
The distinction between light and heavy refurbishment materially changes pricing and which lenders will engage. We categorise the scheme correctly at the outset so terms do not shift mid-application.
Important information
The Financial Conduct Authority (FCA) does not regulate some forms of Buy To Let, Commercial & Development Finance, Bridging Finance, Overseas/Foreign National Mortgages and Will Writing.
Dhavi Limited (trading as London FS) is authorised and regulated by the Financial Conduct Authority — firm number 628993. Registered in England, company number 7301914. Registered office: 7 Bell Yard, London, WC2A 2JR.
Light and Heavy Correctly Categorised
Mis-categorising the scheme is the most common cause of terms shifting mid-application.
Works Costs Funded
Released in arrears against completed stages rather than upfront.
Purchase Plus Works
A single facility covering acquisition and refurbishment together.
Why Property Refurbishment Finance with London FS?
Property Refurbishment Finance requires more than access to lenders. It requires accurate interpretation of your circumstances and placement with a lender that genuinely understands them.
The distinction between light and heavy refurbishment materially changes pricing and which lenders will engage. We categorise the scheme correctly at the outset so terms do not shift mid-application.
EPC Upgrade Lending
Funding for the works landlords now need to keep property lettable.
Exit to BTL or Residential
Refinance planned around the post-works valuation.
Realistic Build Timelines
Facilities set against how long works genuinely take, not best case.
Who Benefits from Property Refurbishment Finance
Value-Add Investors
Landlords Meeting EPC Standards
Owners Undertaking Major Works
Another Project, completed and with Amar’s help we got it over the line! Amar always goes over and above to get the job done, and I come with many issues 
we spoke so much he must of thought he was a full-time employee of mine. (sorry) Next one will be simple 
I have already recommended him and London FS- Property Finance to others, highly recommended and 5 star service. Thank you.
Add Value With the Right Facility
Funding for light and heavy refurbishment, from cosmetic upgrades to structural works and extensions, ahead of sale or refinance.
Related Bridging/Development Finance Services
Our Bridging/Development Finance services are structured around real client circumstances rather than product categories, with independent advice across the whole of market.
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Frequently Asked Questions on Property Refurbishment Finance
What counts as heavy refurbishment?
Broadly, works involving structural alteration, change of use, or requiring building regulations approval.
Can works costs be funded?
Yes, usually released in arrears against completed stages.
Can I live in the property during works?
This affects regulation and lender choice. We will confirm the position for your circumstances.
How is the works schedule assessed?
Lenders review a costed schedule of works, and on heavier schemes will want a surveyor to verify it.
Can I do the works myself?
Light works often yes. Structural or notifiable works generally require a qualified contractor.
Is planning permission needed?
For structural change or extensions, usually yes. Cosmetic refurbishment normally does not require it.
How are funds released for works?
In arrears against completed stages, verified by inspection, rather than as a single upfront advance.
What if costs overrun?
Build a contingency in at the outset. Additional drawdowns mid-project are possible but rarely quick.
Can the property be let during works?
Not usually while works are ongoing, which affects the exit if refinancing onto a buy-to-let product.