Refurbishment & Development Finance
Funding aligned to works, timelines, and delivery.
Lending Capital provides refurbishment and development finance for UK property investors and developers undertaking value-add projects. We take a pragmatic, credit-led approach — supporting structural and non-structural works where the fundamentals, execution plan, and exit are sound.
Loan sizes from £50,000 · Up to 75% LTV · Structural works considered
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This facility is suited to:
Experienced property investors and developers
Projects involving refurbishment or value enhancement
Borrowers with a clear scope of works and defined exit strategy
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Pragmatic underwriting that considers deliverability
Comfort with structural works where risk is understood
Clear drawdown structures aligned to progress
Direct access to the credit team throughout the transaction
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Light, medium, and structural refurbishments
Value-add projects prior to refinance or sale
Reconfiguration or improvement works
Change-of-use scenarios (where appropriate)
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Residential
Semi-commercial
Commercial
We take a practical view on asset quality, local market dynamics, and exit viability.
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First time investors considered
Loan sizes from £50,000
Up to 75% LTV
Up to 65% LTGDV
UK-based security
Structural refurbishment considered
First charge lending
Pricing and structure are determined by risk profile, complexity, and execution requirements.
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Where works are involved, funding is typically structured to support delivery through staged drawdowns. These are aligned to:
Agreed scope of works
Realistic timelines
Professional oversight where required
Our objective is to maintain momentum while managing risk sensibly.
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Initial discussion or submission
Review of scope, structure, and exit
Indicative terms issued
Valuation, due diligence, and legals
Completion and drawdown(s)
Clear communication is maintained throughout.
