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Guide

Development Finance vs Refurbishment Finance

The right route depends on the scale of works, planning position, cost schedule, borrower experience and exit strategy.

Important information.

Commercial finance is subject to status, lender criteria, affordability, valuation and underwriting. Security may be required and your property may be at risk if you do not keep up repayments on a mortgage or other loan secured against it. We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority.

Development finance may suit

  • Ground-up developments
  • Conversions requiring planning or structural works
  • Large projects with staged drawdowns
  • Experienced developers with defined appraisals
  • Projects with a clear sale or refinance exit

Refurbishment finance may suit

  • Light or medium property improvements
  • Shorter project timescales
  • Works before sale or refinance
  • Properties needing improvement before term finance
  • Investors with a clear budget and exit route

Information to prepare

  • Purchase price or current value
  • Schedule of works and costs
  • Timescale and professional team
  • Planning documents where relevant
  • Exit strategy and expected end value

Speak to AP Commercial Finance

Use this guide as a starting point, then discuss your specific circumstances with a specialist.

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