Catalyst Property Finance / Improvement Bridging

Are you looking for fast and flexible short term finance to improve your investment property? If you are considering undertaking medium to heavy refurbishment, an ‘Improve Bridging Loan’ could work for you.

Lending Criteria Overview

Borrower Experienced developers and/or contractors to 75% LTV, inexperienced developers to 70% LTV.
Borrowers with good credit history.
Borrower 3 year UK address history.
UK individual or LTD Co/LLP. Offshore LTD Co.
Loan Loan terms from 3 months to 24 months.
No ERCs, 1 month minimum interest.
Loans available from £100,000 to £5 million.
Interest serviced, blended or retained.
Property Residential up to 75% LTV. Semi-commercial up to 75% LTV, residential must be >50%.
Located in England or Wales.
Light refurb: Refurbishment budget or total build cost is less than or equal to 50% of “OMV” value (the lower of purchase and refinance) and purchase price (if a purchase).
Moderate/Heavy refurb: Refurbishment budget or total build cost (inclusive of professional fees) is between 50% and 100% of “OMV” value (the lower of purchase and refinance) or purchase price (if a purchase), to a maximum 25% expansion of the property. 25% expansion only relates to new foundations i.e. loft conversion excluded from calculations.
Commercial to residential conversion permitted. Excludes properties where at least one wall does not remain standing throughout the construction process and into the finished property.


Improvement bridging finance has been designed to help you fund significant improvements to your property. We understand that medium to heavy property renovations can be costlier and more time consuming than light refurbishment projects. For example, you may wish to increase the number of rooms in your property to improve the layout and increase space. Or, as a business, you may consider capitalising your venture by embarking on an improved building, with walls coming down and premises being extended.

So, when it comes to bridging finance, what exactly do we consider to be medium to heavy refurbishment? Typically, there are elements of structural change to the property and there is a need for planning permission. These types of improvement renovations often cost thousands to complete and you may require a loan to undertake the building works. But there is a solution at hand with our improvement bridging loans.

Monthly Interest Rates From

Refurbishment Bridging Loans – £100k to £750k:

% of Open Market Value: 50% LTV 60% LTV 65% LTV 70% LTV 75% LTV
Light refurbishment rates from: 0.55% 0.60% 0.65% 0.70% 0.75%
Medium/Heavy refurb rates from: 0.60% 0.69% 0.74% 0.79%

Large Refurbishment Bridging Loans – £750k to £3m:


% of Open Market Value: 50% LTV 60% LTV 70% LTV 75% LTV
Light refurbishment rates from: 0.55% 0.60% 0.65% 0.69%
Medium/Heavy refurb rates from: 0.60% 0.65% 0.65% 0.69%

Monthly Interest Rates From

Loan to Value Loan to GDV First Charge
60% 50% 0.65%
70% 60% 0.75%
75% 65% 0.85%
75% 70% 0.89%
80% 75% 0.95%

How to arrange your improvement bridging loan
Call our bridging finance team on 01202 112 900, they will assess your improvement bridging loan enquiry and quickly respond with a lending decision. They can offer terms up to 24 months and loans up to £5 million, all lending is subject to underwriting.
As a bridging loan company, Catalyst accepts borrowers who are aged between 21 and 85 at the end of the loan term.

The benefit of using an improvement bridging loan is that you can access the funds immediately, allowing you to start your renovations quickly. This is much more instantaneous than a mortgage loan, which could take days, weeks or even months to come through.