Products / EPC Refurb Bridge NEW
Smarter bridging rates for EPC improvements.
Exclusive for North West residential properties. Buy or refinance, uplift your property's EPC rating to a C or above, and unlock lower bridging rates — ahead of the Government's minimum EPC C deadline for rental stock in October 2030.
Up to £600k per property From 0.80% pm Up to 75% LTV 1–18 month terms
How it works
The better the rating, the better your rate
We help you buy or refinance with a bridging loan so you can secure funds quickly. Once the refurb works are finished and the EPC rating has improved to C or above, you move onto a preferential rate.
Covers light cosmetic, medium structural and EPC-improving refurbishments
100% of works funded in arrears (max 12-month works period)
Further advance for completed and verified works
No early repayment penalties · exit via sale or refinance
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Start rate
From day one, before works complete
0.99% pm
C
EPC C achieved
Move to a preferential rate on verification
0.95% pm
B
EPC B achieved
A stronger uplift, a stronger saving
0.85% pm
A
EPC A achieved
Our best rate for the best-performing homes
0.80% pm
Who it's for
Modernise your rental stock ahead of the 2030 deadline
For experienced investors, landlords and developers improving residential properties. The loan covers the initial purchase or refinance, with refurbishment works funded in arrears.
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Residential properties in North West England
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Loans up to £600k per property (more by referral)
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Flexible repayment options, no early repayment penalties
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Flexible valuations — AVMs, desktop or on-site
Let's discuss your property plans today
Completion within 7–10 days on average.