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Restructure Your Debt

Refinance

Whether your current facility is expiring, you've found better terms elsewhere, or you want to release equity from a property that's grown in value — we arrange bridging refinance that replaces your existing debt quickly and cost-effectively.

Rated 4.8/5 by property professionals From 0.37% pm 250+ lender panel No upfront fees

£250k – £100m+

Loan Size

1 – 24 months

Typical Term

Up to 75% LTV

Typical LTV

Key Features

What We Offer

Replace existing debt with better terms

If your current facility is expensive, expiring, or no longer fit for purpose — we refinance onto a more competitive product.

Bridge to long-term mortgage

Short-term bridging while a commercial mortgage or BTL product is arranged. Seamless transition.

Consolidate multiple loans

Bring several debts into a single, simpler facility. Reduce your admin burden and often your total cost.

Release additional equity on refinance

Refinance at the current market value and extract equity above your existing debt for new opportunities.

No early repayment charges on many products

We access lenders who don't penalise you for repaying early — giving you maximum flexibility.

All commercial property types

Offices, retail, industrial, mixed-use, land — whatever you own, we can refinance it.

Ideal For

Common Scenarios

Expiring Facility

Your current bridging loan or development facility is reaching its term end. We refinance before penalties kick in.

Better Rate Available

Rates have moved or your circumstances have improved. We find a more competitive deal from our 250+ lender panel.

Equity Release on Refinance

Your property has increased in value. Refinance at the new valuation and release the uplift as working capital.

Debt Consolidation

Multiple loans across several properties. We consolidate into a single, more efficient facility.

Typical Costs

What You'll Pay

Every deal is different, but here's what to budget for on a typical refinance bridging facility. Use our calculator to estimate total costs for your specific deal.

Interest Rate

0.44–0.85% per month, rolled up — no monthly payments.

Arrangement Fee

1–2% of the gross loan. Can be added to the facility or paid on completion.

Valuation Fee

£500–£3,000+ depending on property value. Paid directly to the surveyor.

Legal Fees

£2,500–£5,000+ including redemption coordination with your existing lender.

Exit Fee

Varies by lender — negotiate at the outset. Many charge none.

Broker Fee

Our fee is typically 1% of the net loan, payable on completion. No upfront fees.

Typical Costs

What You'll Pay

Every deal is different, but here's what to budget for on a typical refinance bridging facility. Use our calculator to estimate total costs for your specific deal.

Interest Rate

0.44–0.85% per month, rolled up — no monthly payments.

Arrangement Fee

1–2% of the gross loan. Can be added to the facility or paid on completion.

Valuation Fee

£500–£3,000+ depending on property value. Paid directly to the surveyor.

Legal Fees

£2,500–£5,000+ including redemption coordination with your existing lender.

Exit Fee

Varies by lender — negotiate at the outset. Many charge none.

Broker Fee

Our fee is typically 1% of the net loan, payable on completion. No upfront fees.

How It Works

From Enquiry to Completion

01

Review Your Existing Facility

We assess your current debt, the property or portfolio behind it, and your objectives. Whether you want lower rates, longer terms, equity release, or simply a fresh start — we map out the optimal refinance structure.

02

Source the Right Replacement Lender

We present your deal to the most appropriate lenders from our panel. This is not a rate comparison — we match the structure, term, and flexibility to your specific exit strategy and timeline. Terms are typically issued within 24–48 hours.

03

Redemption and Completion

We coordinate with your existing lender to obtain redemption figures, manage the legal process, and ensure a seamless transition. The new facility redeems the old one, and any surplus equity is released to you on completion.

Who Is This For?

Ideal Borrower Profiles

Property Investors with Expiring Facilities

Your current short-term finance is approaching maturity and your exit has not materialised as planned. Rather than facing default rates or enforcement, we refinance onto a new facility with fresh terms.

Developers Transitioning to Long-Term Debt

Your development is complete and you want to hold the asset rather than sell. We bridge you from the development facility onto a commercial mortgage or BTL product at the improved value.

Portfolio Landlords Consolidating Debt

Multiple loans across several properties with different lenders, terms, and rates. We consolidate into a single, more efficient facility — reducing your admin burden and often your overall cost of finance.

Owners Seeking to Release Equity

Your property has increased in value since the original loan. Refinancing at the current market value releases the uplift as working capital — funding new acquisitions, refurbishments, or business needs.

Typical Costs

What You’ll Pay

Every deal is different, but here’s what to budget for on a typical bridging refinance facility. Use our calculator to estimate total costs for your specific deal.

Interest

0.44–0.85% per month, rolled up

Arrangement Fee

1–2% of gross loan

Valuation

£500–£3,000+

Legal Fees

£2,500–£5,000+ (includes redemption coordination with existing lender)

Exit Fee

Varies by lender — negotiate at outset

Broker Fee

1% of net loan

Common Questions

Refinance FAQs

Can I refinance if my current lender is charging default interest?
Yes. This is one of the most common reasons borrowers refinance. If your facility has expired and you are being charged penalty rates, we can arrange a replacement facility that redeems the existing debt and stops the clock on default charges. The new lender will factor in the total redemption figure including any accrued interest.

How much equity can I release on refinance?
That depends on the current market value of your property and the outstanding debt. Most lenders will advance up to 75% of the current valuation. If your existing debt is lower than that figure, the difference can be released to you as cash on completion. A fresh RICS valuation will be required to confirm the current value.

Will I need to make monthly payments?
Not necessarily. Most bridging refinance products use rolled-up interest, meaning the interest accrues over the term and is repaid alongside the capital at exit. This removes any monthly cash flow burden during the loan term. Serviced interest options are also available if you prefer to pay monthly.

How quickly can a refinance complete?
Typically 2–4 weeks from initial enquiry to completion. The timeline depends on valuation turnaround, legal due diligence, and how quickly your existing lender provides redemption figures. Where urgency is critical — for example, to avoid enforcement action — we can expedite the process significantly.

Can I refinance a portfolio of properties onto a single facility?
Yes. Portfolio refinancing is a common request. We arrange facilities that consolidate multiple loans across several properties into a single debt, often at a lower blended rate. This simplifies your reporting, reduces legal and admin costs, and can free up equity across the portfolio.

Will I pay early repayment charges to my existing lender?
Possibly. Check your current facility for ERCs before refinancing. In many cases, the savings from the new facility outweigh the ERC, especially if your current lender is charging default rates. We calculate this for you upfront.

Can I refinance from a high-street bank onto bridging?
Yes, though it’s unusual. More commonly, borrowers refinance from bridging onto a bank product. However, if your bank facility is expiring and you need more time, a bridging refinance buys you that time while you arrange the next long-term solution.

What if my property has decreased in value since the original loan?
If the current value is lower, the new facility may not cover the full outstanding debt. In that case, you may need to contribute additional equity or offer additional security. We assess this upfront so there are no surprises.

Will I pay early repayment charges to my existing lender?
Possibly. Check your current facility for ERCs before refinancing. In many cases, the savings from the new facility outweigh the ERC, especially if your current lender is charging default rates. We calculate this for you upfront so the decision is based on hard numbers, not guesswork.

Can I refinance from a high-street bank onto bridging?
Yes, though it's less common than the other direction. If your bank facility is expiring and you need more time to arrange a long-term solution, a bridging refinance buys you that time. This is particularly relevant when bank lending criteria have tightened and your existing product is no longer available.

What if my property has decreased in value since the original loan?
If the current value is lower, the new facility may not cover the full outstanding debt. In that case, you may need to contribute additional equity or offer additional security to bridge the gap. We assess this upfront with an indicative valuation view so there are no surprises.

Related Products

You Might Also Need

Capital Raising

Release equity from your property portfolio without selling. Fund new acquisitions, business growth, or other capital needs.

Development Exit

Transitioning from a development facility to a holding product while units sell. Lower rates while you maximise your exit price.

Second Charge Bridging

Raise additional capital behind your existing first charge without the cost and disruption of a full refinance.

Real Results

Deals We've Structured

£4.2m

£4.2m Mixed-Use Refinance

London

 £3.1m

£3.1m Portfolio Refinance

Birmingham
All case studies →

Ready to Discuss Your Project?

Get an indicative quote or arrange a call with a specialist. If we can respond immediately we will, otherwise within 2 hours during business hours.

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