Renovation Mortgages
Finance for property renovation and conversion. Fund purchase plus works with staged drawdowns as your renovation progresses.
Fund your renovation from purchase to completion
Properties in need of renovation offer excellent value, but financing the purchase and the works can be challenging. Standard mortgages rarely cover renovation costs, and many lenders will not lend on properties that are not immediately habitable.
Renovation mortgages solve this by combining property purchase finance with a works facility, released in stages as your renovation progresses. Whether you are planning a light cosmetic refresh or a full structural overhaul, Doulton Bridging Finance finds the right lender and structure to keep your project funded from day one.
Comprehensive renovation finance solutions
Purchase Plus Works
Finance both the property purchase and the renovation costs in a single facility. No need to arrange separate funding for the build works.
Staged Drawdowns
Renovation funds are released in stages as work progresses and milestones are met. This protects both you and the lender while keeping your project funded.
Light Refurbishment
Cosmetic works including new kitchens, bathrooms, decoration, and general updating. Many lenders offer straightforward terms for light refurbishment projects.
Heavy Refurbishment
Structural works, extensions, loft conversions, and full property overhauls. We access specialist lenders comfortable with more intensive renovation projects.
Conversion Projects
Converting commercial premises to residential, splitting houses into flats, or barn conversions. We find lenders experienced in change-of-use projects.
Exit to Long-Term Mortgage
Once renovation is complete, we arrange your exit onto a standard residential or buy-to-let mortgage at the improved property value, often releasing significant equity.
How it works
Project Assessment
We review your renovation plans, budget, and timeline to determine the right type of finance and identify the most suitable lenders.
Finance Structuring
We structure the facility to cover both purchase and works costs, with a drawdown schedule aligned to your renovation programme.
Valuation and Approval
The lender instructs a valuation covering both current value and projected post-works value. Once approved, initial funds are released for the purchase.
Works and Drawdowns
As renovation progresses, we coordinate stage inspections and drawdown releases so your project stays funded throughout.
Planning a renovation project?
Tell us about your property and renovation plans. We find the right finance to cover purchase and works in a single facility.