No Valuation Refurbishment bridging Loans
Secure a no valuation heavy refurbishment bridging loan with Aura Capital. Fast completions, market-leading rates, and funding for properties requiring major works
No Valuation Heavy Refurbishment Bridging Loans
When you’re undertaking a major property refurbishment, traditional lenders often won’t lend until the property is mortgageable. That’s where a heavy refurbishment bridging loan comes in.
At Aura Capital, we specialise in arranging no valuation heavy refurbishment bridging loans — giving you access to fast funding without waiting for a full valuation report. This means quicker completions, smoother cashflow, and certainty for your project.
What is a Heavy Refurbishment Bridging Loan?
A heavy refurbishment bridging loan is short-term finance designed for properties needing major works — such as structural changes, extensions, or conversions.
It’s different from a light refurbishment loan, which only covers minor works like new kitchens, bathrooms, or redecoration.
Heavy refurbishment includes:
Structural changes (walls, extensions, loft conversions, basements)
Change of use (office to residential, single dwelling to HMO)
Major electrical, plumbing, or roof work
Projects requiring planning permission or building regs sign-off
What Does “No Valuation” Mean?
Normally, lenders require a full valuation survey before approving a heavy refurbishment bridging loan. This can cause delays — especially when time is critical.
With no valuation bridging loans, lenders rely on:
Automated desktop valuations
Broker due diligence
Lender’s internal underwriting
This allows funding to be released much faster, often in under 7–10 days
When No Valuation Bridging Works Best
Auction Purchases – avoid losing deals to 28-day deadlines
Unmortgageable Properties – lenders rely on project value and exit strategy
Heavy Refurbishments – structural projects requiring fast access to staged funds
Time-Sensitive Deals – when valuations would risk the transaction
When to Use No Valuation Heavy Refurbishment Bridging
Unmortgageable properties – where condition prevents standard lending
Auction purchases – where you must complete in 28 days
Major refurbishments – full-scale projects needing significant works
Conversions – commercial to residential, or single dwelling to HMO
Fast funding needs – where speed is more valuable than a traditional valuation process
Typical Loan Terms
Loan sizes: £50,000 – £10m+
Rates from: 0.55% per month
LTVs: up to 85% (depending on exit)
Terms: 3–24 months
Funding speed: as little as 7–10 days with no valuation bridging
Example Scenario
An investor buys a property at auction for £220,000.
The house needs a rear extension and loft conversion costing £80,000.
A standard lender won’t lend due to the property’s current condition.
Aura Capital secures a no valuation heavy refurbishment bridging loan within 9 days, releasing £165,000.
After works, the property is revalued at £360,000, allowing refinance onto a long-term buy-to-let mortgage.
Benefits of No Valuation Heavy Refurbishment Bridging
Speed – complete in under 2 weeks without waiting for a surveyor
Market-leading rates – exclusive deals from Aura Capital’s lender panel
Flexibility – funding for projects other lenders won’t touch
Certainty – secure finance upfront, even on complex refurbishments
Tailored exit plans – refinance or sale structured around your goals
Risks & Considerations
While no valuation loans are fast and flexible, borrowers should consider:
Higher risk appetite – lenders rely on internal assessments, which may affect pricing
Exit certainty – lenders need a clear exit (sale or refinance) before approval
Detailed plans required – heavy refurbishments often require planning and building regs approval
Secure Your No Valuation Heavy Refurbishment Bridging Loan
If you’re planning a major refurbishment and need fast, flexible funding, Aura Capital can help. We’ll secure you a no valuation heavy refurbishment bridging loan at market-leading rates, giving you speed and certainty from start to finish.
Frequently asked questions
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Light = cosmetic works. Heavy = structural, conversions, or major works.
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Typically 7–10 days, depending on legals.
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Some lenders prefer prior refurbishment experience, but Aura Capital can secure options for first-time investors.
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Yes — the usual exit is refinancing onto a buy-to-let or commercial mortgage once the property is habitable.
