Fast-tracked regulated remortgage for light refurb
Author: Ross Williams
Date: 22/08/2025
Scenario
A customer required a regulated light refurbishment remortgage to raise £100,000 for garden and landscaping works aimed at enhancing the property’s value ahead of sale. The proposed exit strategy was via the sale of the security property.
Outcome
The application was submitted on 19 June, and an offer was issued the next day. With funds released quickly, the borrower was able to start the landscaping and garden transformation immediately, significantly enhancing the property’s curb appeal and overall market value.
The works were completed ahead of schedule, and the property was sold at a premium, delivering a strong return. The fast funding allowed the customer to maximise value before sale and exit the loan smoothly as planned.
Why it worked
- Exceptionally low LTV
- Straightforward purpose and strong exit plan
- AVM accepted due to low risk
- Clean, well-prepared application
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