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Property Refurbishment Loans for Light and Heavy Refurbs - MT Finance

light refurbishment

Whether you’re looking to generate more rental income or add value to your portfolio, MT Finance is here to get your short-term light refurbishment loan completed in a matter of days.

Our short-term loan products are designed to meet the many diverse needs of property investors and landlords. Borrowers can apply as individuals, sole traders or through limited companies, and we do not require a minimum credit score, accounts or proof of income. This allows us to take a practical, common-sense approach to lending.

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product features:

  • Rates from 0.69%
  • 1st & 2nd charge loans
  • Loans from £50,000- £10,000,000
  • Up to 70% LTV
  • Terms from 1-24 months
  • Residential, commercial, & semi-commercial property
  • Adverse credit, CCJs, and arrears considered
  • No up-front fees, no exit fees, no ERCs
  • No credit scoring

our process

  1. step 1


    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


    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


    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


    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


    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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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A refurbishment loan offers short-term finance to carry out any light and heavy refurbishments on your property.

Whether you are carrying out internal or structural work, the ability to make refurbishments can significantly increase the value of your property or business premises and maximise the potential rent that you can charge to tenants.

Our customers include property developers, investors, commercial property owners, landlords and business owners.

Our refurbishment loans are available by way of first and second charge, secured against your investment property.

  • Converting a house into flats
  • Converting a commercial property into residential
  • Refurbishing flats for buy-to-let purposes
  • Heavy refurbishments including loft extensions, kitchens, bathrooms and basements
  • Light refurbishments including changes to fixtures, fittings, interiors and flooring
  • Upgrading your work premises including offices, factories and more

Customers can borrow between £50,000 and £10 million using refurbishment loans from MT Finance.

The amount you can borrow is based on a maximum 70% LTV and other factors including the value of the property, expected return, your equity in the property and more.

  • Based in England and Wales
  • Sole traders, employed or self-employed
  • Must have equity in the property
  • Property is not the borrower’s primary residence
  • Property is subject to valuation
  • Must be up-to-date with mortgage repayments
  • Plans of costings, pricing and exit

Refurbishment loans can be available from MT Finance in less than 4 weeks, depending on the complexity and nature of the refurbishment project.

Every property will be subject to a valuation and our underwriters will need to see proof of the refurbishment costs and plans that you have in mind.

Founded in 2008, MT Finance has helped thousands of individuals and businesses to access the property finance they require.

Our ability to provide short-term finance at speed and at affordable rates has been acknowledged by the financial services industry, with accolades and awards for our quality and customer service.