Refurbishment Bridging

Light, medium & heavy refurbishments without restrictions on LTV

Find out how a bridging loan can help fund your property
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We Offer Loans of £75k – £1m, with up to 90% Max LTV and Funds Released within 7 Days

One of the UK’s Leading Providers of Fast Bridging Finance

Apex Bridging lend on light, medium and heavy refurbishments without restrictions on LTV.  All structural issues are considered, a structural engineers report is not always needed.  Where there is more potential for adding value especially through standard kitchen, bathroom redecoration refurbs the better –  an avocado bathroom and 1970’s brown patterned carpet are our speciality properties!

We lend up to 90% day one with a maximum of 75% GDV.  Run your figures through our calculator to see what you can borrow.

House developers and customers shook hands


All planning permissions need to be submitted on application and approved by completion.

If the borrower requires planning for change of use or for works they intend to do to enhance the value of the property, the planning application needs to have at least been submitted for the surveyor to consider when we request the survey and has to be approved before completion of the purchase.

Otherwise, we would be lending against enhanced figures based on changes that may not be able to be made if the planning is declined. 

Apex Bridging Verified Client Testimonials

Heavy Refurbishment

We don’t do Development Finance, but we may be open to drawdowns on a heavy refurb, but the borrower must have enough capital to impact the value first.

Ultimately the borrowers need to have their own funds to start the refurbishment and make a positive impact on the value of the property for a drawdown to work.

We will only drawdown up to a maximum of 75% LTV and this would be based on a new RICS valuation being completed at the borrowers cost to provide that new increased valuation at the point of each drawdown request. 

Contact Us to Discuss Your Loan Requirements

Case Studies

Japanese Knotweed no match for hands-on property developer taking 1st bridging loan

The Property When IT Technician turned property developer spotted a 1930’s 3 bed end terrace in Felixstowe up for auction, he made a quick bid ...
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Property brothers self-fund £70k repair to Victorian well & recoup costs

  The Property This 1900s 3 bed detached, 2 storey house in Peterborough was discovered by property brothers after they were asked to do remedial ...
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Father & son flip unconventional steel framed property with repeat Apex bridging loan

The Property This 3 bed ex local authority semi-detached property located in Ely near Cardiff Bay, appealed to a local estate agent and his dad, ...
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Husband & Wife Investors develop neighbours property

When their neighbour’s 3 bed semi in Pontypool, Wales came onto the market, a husband-and-wife team (who lived just across the road), could see the ...
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Homes Under the Hammer’ property developer returns to Apex for award winning service

The Property With 20 years of experience, this ‘Homes Under the Hammer’ TV star knows a thing or two about property development. There was fierce ...
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Repeat borrower needed bridging loan for speedy auction purchase

The Property When a Northampton-based property developer spotted this 2-bed end terrace up for auction on Rightmove, he knew he would have to move fast ...
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Apex lends against value as opposed to purchase price

Background A Gloucestershire based developer saw an amazing opportunity to acquire a two bedroom Semi-Detached Bungalow through a probate sale, at well below true market ...
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Experienced Property Developer Turned to us for Speed

The Scenario This client had never used bridging before and was introduced to us because the timescale didn’t allow him to organise a BTL mortgage ...
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street view of a brick house

Client generates a 6.25% return (in just 6 months)

The Scenario With an interest to add to their existing buy-to-let portfolio, our clients committed to purchase a substantial terraced property under auction conditions. The ...
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Apex Bridging Verified Client Testimonials

Call Us Today to Discuss Your Loan Requirements
01509 345 007

Contact Details


HBB Bridging Loans Limited
T/A Apex Bridging Loans

1 The Cornerstone
Market Place
DE74 2EE
Company Number 08548882
Contact Us To Discuss Your Loan Requirements
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