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BRR & Conversion Bridging
Bridging to acquire and convert, with the exit mortgage lined up before you complete the purchase, so your capital keeps recycling.
Buy-refurbish-refinance is the engine of most serious property portfolios: buy below value or add value through works, refinance at the new value, pull most of your capital back out and go again. The strategy lives or dies on the finance being structured as one plan, not two separate transactions.
We arrange BRR funding as a package: a bridging loan sized for the purchase and the works, and the exit mortgage, whether single let, HMO or MUFB, agreed in principle before you exchange. You know the numbers on the way out before you commit on the way in.
This is the strategy where deals most often get declined elsewhere: heavy works, six-to-HMO conversions, Article 4 complications and down-valuation risk all frighten generalist brokers. It is precisely the work we built the firm on.
"Our first buy-to-let was an auction purchase with strict completion deadlines. When we hit a hiccup along the way, Chris acted quickly and escalated where necessary, and we completed within the auction deadline without losing the property or the fees we had committed."
Also see: Bridging Loans · HMO & Multi-Unit Finance · Student HMO Mortgages · Free Deal Stacking Calculator
The deals other brokers decline are the ones we complete. Five minutes is enough to know if we can help.
Frequently asked questions
You purchase on a bridge covering the acquisition and refurbishment, complete the works, then refinance onto a term mortgage at the post-works value. Done well, the refinance repays the bridge and returns most of your cash for the next project. All lending is subject to credit underwriting.
The end valuation. If the refinance values lower than planned, capital gets stuck in the deal. We pressure-test your end value against comparable evidence and lender valuation behaviour before you buy, not after.
Yes. Works can be funded within the facility, either upfront or in staged drawdowns for heavier projects, subject to the overall loan-to-value and loan-to-cost limits of the lender.
Always, and that is the point. Arranging them together means the bridge term, the works schedule and the refinance criteria all line up, and there are no surprises when it is time to exit.
Question not answered? WhatsApp Chris directly or book a call, it is quicker than email.
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