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Refurb Bridging Calculator

If you need additional funds to help renovate a property to a habitable standard, our refurb bridging calculator can help you organise your finances. Simply fill in your details below to see how much you could borrow.


Refurb Bridging Calculator


How does a refurb bridging calculator work?

Most mortgage lenders require properties to be in good condition and with all necessary amenities before they’ll agree to lend. If however, you’re interested in purchasing or refinancing a property without amenities — like a kitchen or bathroom — you’ll need to carry out significant works for the property to be labeled as habitable. This is where refurbishment bridging finance comes in.

Our refurb bridging calculator can help you visualise your finances, making it easy to see how much you can lend and if the repayments are feasible with your projects. To get started, you’ll need to provide some key details, including:

  • Loan amount: This figure is the net loan amount required — the amount you receive before any fees or interest is applied to the loan.
  • Term (months): The length of time, in months, that you have to repay your loan.
  • Interest rate: This is the interest rate charged for taking out the commercial mortgage. This will be calculated as a monthly rate.
  • Arrangement fee: A fee charged by the lender for arranging the refurb bridging loan.

What do my results say?

  • Interest — This figure indicates how much total interest you will have to pay on a monthly basis for the duration of your loan term.
  • Fee — The total fee you will need to pay your lender for setting up your development exit finance.

What information do I need to provide for refurbishment bridging finance?

To successfully apply for refurbishment bridging finance, you’ll need to provide some information so that a lender can complete relevant background checks. These include:

  • Borrowers details and company name (if applicable)
  • Property details
  • Borrowers CV/biographies that include relevant experience
  • A schedule of works and costs
  • Details of proposed contractors/builders
  • A copy of planning consent (if applicable)

How much can I borrow?

As businesses and individuals can request loans for both minor renovations and serious refurbishment, the amount of a refurbishment bridging loan will vary from case to case. At Positive Commercial Finance, we want to make sure that all of our customers have the funds they need for their projects to succeed, which is why we offer loans from anywhere between £50,000 and £100 million.

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By submitting this form you confirm that you are happy to submit your data, which will be used solely for the purposes of your enquiry

Positive Commercial Finance is a trading name of Business Financial Solutions Limited. Registered in England & Wales 06451075. Registered office address Warth Business Centre, Warth Road, Bury BL9 9TB. Authorised and regulated by the Financial Conduct Authority (716012). Full members of the NACFB and FIBA. ICO registration reference Z1196910.