Can I get a mortgage on an uninhabitable property?

Not a standard mortgage, but bridging loans and renovation mortgages are specifically designed for properties that aren't currently liveable. We'll match you with the right product.

How much deposit do I need for a fixer-upper?

Typically 25–30% for bridging finance, though some lenders offer up to 80% LTV. For renovation mortgages, deposits can be as low as 15%.

Can I do the work myself?

Some lenders allow self-build elements, but most prefer professional contractors for structural work. DIY cosmetic work is generally fine.

Fixer-Upper Mortgages

Buying a property that needs renovation? Standard mortgages may not cover uninhabitable homes. We'll find the right renovation mortgage or bridging loan for your project.

How Do Fixer-Upper Mortgages Work?

If you're buying a property that needs significant work — whether it's a derelict barn conversion, a fire-damaged house, or simply a home that needs a new kitchen and bathroom — you may need a specialist mortgage. Standard lenders often won't lend on properties they consider 'uninhabitable', but renovation mortgages and bridging loans can bridge the gap.

Renovation mortgages that release funds in stages
Bridging loans for uninhabitable properties
Light and heavy refurbishment finance options
Remortgage to a standard deal once work is complete
free initial mortgage advice

Step 3 of 5

Tell us about the property

Estimates are fine — we'll refine the numbers together.

Property Value (£) *

Deposit Amount (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

Light vs Heavy Refurbishment

Light refurbishment covers cosmetic work — new kitchens, bathrooms, redecoration, and minor repairs. Heavy refurbishment involves structural changes like extensions, loft conversions, removing walls, or converting commercial property to residential. The type of work affects which finance product you need.

Renovation Mortgages Explained

Some specialist lenders offer renovation mortgages that release funds in stages as work progresses. You buy the property, complete a phase of work, have it revalued, and the lender releases more funds. This lets you add value incrementally without needing all the cash upfront.

Bridging Finance for Fixer-Uppers

Bridging loans are short-term (typically 6–18 months) and can be used to purchase uninhabitable properties. Once the renovation is complete, you remortgage onto a standard residential mortgage at a lower rate. We can arrange both the bridge and the exit mortgage.

Planning Permission & Building Regs

Before buying a fixer-upper, check whether your planned works need planning permission or building regulations approval. Lenders will want to see that work is being done properly and to code, so factor in the cost of architects and building control.