Use case
Light Refurbishment
Cosmetic property works that don't require planning permission or building regulations approval — funded under standard bridging rates.
Light refurbishment covers redecoration, new kitchens and bathrooms, flooring, replacement windows, landscaping, and similar cosmetic upgrades. No structural work, no change of use, no planning consent required.
Most lenders fund light refurbishment under their standard bridging product at the same rate as a non-refurb case. Greenfield, MT Finance, Roma and others rate-load by 0.05-0.10% per month for medium-scale light refurb (10-20% of property value).
Light refurb projects typically run 1-3 months and exit via either sale of the refurbished property or refinance onto a buy-to-let mortgage. Bridge-to-let products from LendInvest and Aspen pre-arrange the exit at the start, which can save legal and valuation costs.