0203 051 2331
enquiries@mt-finance.com
heavy refurbishment | MT Finance

heavy refurbishment

If your client is looking to carry out structural works to an investment property, convert a commercial property to residential, or complete a development- a short-term loan from MT Finance could help.

Our heavy refurb product is designed to help property investors and developers fund their renovation, with speed and with minimum fuss. What’s more, we can also provide 100% of build costs in stages to keep their costs down.

Borrowers can apply as individuals or through limited companies and we will also consider all credit histories, including borrowers with CCJs and a history of arrears. We do not require accounts or proof of income- instead we are more focussed on the investment property and your client's future plans for it.

find out more

product features:

  • Rates from 0.75%
  • Loans from £50,000- £500,000
  • Up to 65% LTV
  • Terms from 1-24 months
  • Residential & commercial properties
  • Adverse credit, CCJs and arrears considered
  • No up-front fees, no exit fees, no ERCs
  • 100% of build costs available
  • Further draw downs available
  • No credit scoring

our process


  1. step 1

    the
    enquiry

    You can apply one of three ways. You can either call us to speak to one of the team directly, send your enquiry via email, or fill in our Quick Enquiry form. Alternatively, you can Request a Callback and one of our experts will be in touch with you when convenient.

  2. step 2

    the
    offer


    We will review your enquiry and if our criteria matches your requirements, we will review and respond with an Offer in Principle (OIP). We can usually provide you with an OIP within 2 business hours. If you're happy with our offer, simply sign it and email it back to us.

  3. step 3

    the
    valuation


    We will instruct a RICs surveyor from our panel to value all properties offered as security for the loan – our valuation reports are typically produced within 72 business hours. Whilst we wait for the valuation report, we will need your solicitor’s details.

  4. step 4

    the
    solicitors


    We will send your solicitor our Checklist of Requirements. If the valuation report is acceptable for the loan to proceed as per the terms agreed, we will confirm this to your solicitor and then issue the mortgage deed for your witnessed signature.

  5. step 5

    funds
    released


    Once our solicitor is in receipt of all satisfactory replies and supporting documentation, we are ready to go! Within 24 hours of receipt of the report on title, we arrange the transfer of funds to your solicitor to complete the transaction.


we are a leading property finance lender

providing fast, flexible and transparent solutions including:

Bridging Loans

We believe a bridging loan should either make or save a borrower money. Our streamlined process allows us to cut through delays and deliver funds exactly when, and how, they are needed.

find out more

Refurbishment Loans

Our short-term refurbishment loan products are available to property investors, landlords and developers who are looking to upgrade their investment assets with speed and minimum fuss.

find out more

Auction Finance

The main benefit of auction finance is the speed at which funds can be delivered. MT Finance is able to deliver funds in a matter of days and we can approve an application prior to auction.

find out more

Property Conversion

Our heavy refurbishment product is designed to help property investors and developers fund a renovation with speed. We can also provide funding in stages to keep the costs down.

find out more

Second Charges

A second charge bridging loan could be the ideal solution for those who already have a mortgage secured against their property but require further funds for a short period of time.

find out more

Property Purchase

A short-term loan from MT Finance is an effective means of raising funds quickly, enabling landlords and property investors to take advantage of investment opportunities in the buy-to-let market.

find out more

Business Funding

Whether funds are needed to acquire stock, provide additional capital to stimulate growth, or to facilitate a new venture, MT Finance is committed to providing liquidity to the SME sector.

find out more

Urgent Transactions

We can make lending decisions within hours of initial enquiry and release funds in less than a week, preventing borrowers from missing out on time-sensitive opportunities that come their way.

find out more



Covid-19 - We are open and lending as normal - contact us for any enquiries

X