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Renovation & refurbishment · Ireland
Renovation & refurbishment
business finance.
Buying a property to renovate, converting an existing building or taking on a substantial refurbishment? We arrange development finance and bridging loans for Irish property businesses through specialist lenders, matching the funding to the property, the works and your plan to sell or refinance. This is business finance, not a personal home-improvement loan.
Property development finance
For substantial refurbishment, conversion and redevelopment projects where you own or are buying the property.
- Finance assessed around the property, works budget and completed value
- Planning permission and approvals considered where required
- Your experience, own contribution and contingency matter
- Drawdowns and monitoring agreed with the lender for the project
- A realistic sale or refinance plan to repay the facility
Bridging loans for property projects
Short-term property-backed funding to buy, refinance or get a refurbishment project moving before longer-term finance or a sale.
- Property bridging from €250,000
- Up to 75% loan-to-value, subject to valuation and lender assessment
- Typically arranged over 12 months, with the term agreed for your project
- For purchases, refinancing and suitable refurbishment projects
- Repayment through a planned sale or refinance — not an assumed extension
Property finance is secured against the property and subject to lender assessment, valuation and legal checks. Rates, fees, your contribution and any guarantees depend on the deal. If repayments or the agreed exit cannot be met, the property used as security is at risk.
Funding the project, not just the purchase
From an older property to a finished project
Refurbishment ties up money before the property is ready to sell or let. The purchase, strip-out, structural work and fit-out all have their own costs and timing. The funding needs to allow for that sequence, including a sensible contingency if the works run longer or cost more than expected.
Development finance can support a more substantial project, with the release of funds agreed around the works. Bridging finance can cover a shorter gap around a purchase, refinance or suitable refurbishment. Neither should rely on an automatic extension: the sale or refinance needs to be realistic from the outset.
Read our secured business loans page for property-backed lending. If you mainly renovate clients’ properties, our construction finance page covers contractor funding, while asset finance may suit your plant, vans and equipment.
What to have ready
- Property address, purchase price or current value, and any existing borrowing.
- A schedule of works, cost breakdown, contractor quotes and contingency.
- Planning status and relevant permissions or approvals, where needed.
- Your experience of similar projects, accounts and recent bank statements.
- Your own contribution, expected completed value and sale or refinance plan.
We’ll help you understand what the lender needs for your particular project. Compare the total cost, including interest, arrangement fees, valuation, legal costs and any exit fees, rather than the headline rate alone.
Guides for your industry
4 November 2026
When Secured Business Lending Makes Sense in Ireland
When secured business lending suits Irish SMEs: property, equipment and invoice-backed finance, repayment planning, costs and personal guarantees explained.
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6 November 2026
Finance for Small Construction Companies in Ireland: What's Available and How to Line It Up
Most small builders are not short of work — the squeeze is cash flow. How unsecured loans, bridging finance and development finance each fit a different problem for Irish construction firms.
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21 April 2026
Working Capital Finance as Costs Rise for Irish SMEs
How Irish SMEs can manage rising costs and cash-flow gaps: compare working capital finance, understand interest-rate risk and check repayments before borrowing.
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27 October 2026
How to Prepare a Cash Flow Forecast for Your Small Business
A step-by-step guide to building a 12-month cash flow forecast for your small business in Ireland, with a worked example, a simple template layout and tips for keeping a rolling forecast up to date.
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Common questions
Can I get development finance for a refurbishment rather than a new build?
Yes, substantial refurbishment, conversion and redevelopment projects can be considered. Lenders look at the property, scope of works, budget, approvals, your experience and the proposed completed value. Each project is assessed individually.
When would a bridging loan suit a renovation project?
Bridging can suit a purchase or refinance where funding is needed for a short period before sale or longer-term finance. Property bridging starts from €250,000, with lending up to 75% loan-to-value subject to assessment. You need a credible way to repay within the agreed term.
Can the finance cover both the purchase and the works?
Potentially. The lender will assess the acquisition and refurbishment together, including how much you contribute and when the money is needed. Do not assume the full purchase price and all works will be funded; the structure and drawdown conditions are agreed for each project.
What if I refurbish properties for clients rather than owning them?
A loan secured on your client's property is not the same as working capital for your contracting business. For wages, materials and equipment on client jobs, construction business loans, term loans or asset finance may be more appropriate. Tell us which side of the project you are on.
Free to you. Lenders pay us a commission when your loan completes. How we get paid