Hope Capital Property Finance revamps Flip Loan Product, streamlining bridging and refurbishment finance
Specialist short-term lender Hope Capital Property Finance has revamped its Flip+ loan, introducing an enhanced servicing structure that supports borrowers from acquisition through to refurbishment under one lending relationship, with priority access to the same underwriter.
The combined proposition positions Hope Capital Property Finance as a lender focused on continuity: where many providers treat loan completion as the end of the process, Flip+ treats it as the start of a connected funding journey.
Rather than separating bridging and refurbishment into distinct transactions, Flip+ links both stages into one structured facility. Borrowers can acquire residential, semi-commercial, or commercial property type via an initial bridging loan of up to 12 months, with the option to transition seamlessly into a refurbishment facility of up to 18 months, without the need to refinance or reapply elsewhere.
This structure removes a common friction point in development finance: mid-project refinancing. The product is designed to support faster execution, reduce transactional delay, and improve cost efficiency across the full project lifecycle.
Key features include:
- Up to 12-month initial bridging term
- Up to 18-month refurbishment facility
- With rates starting at 0.80%, and up to 75% LTV
- No minimum term (waived at point of flip)
- £1,250 single admin fee including legals for the flip transaction
- 2nd facility fee applies only to the increase in facility on Flip+
- No automatic LTV reduction based on structure alone; underwriting based on GDV and deal fundamentals
- Up to 100% build cost funded
- Refurbishment funds typically are released on the same day to support active project delivery
Laura Carr, director of underwriting, Compliance and Stakeholder Relations at Hope Capital Property Finance said: “We anticipate there being a huge demand for this product and we’re looking forward to offering this to both our existing clients, as well as borrowers who are looking to access an initial loan, with plans to then undertake refurbishment works in the future.”
“By switching onto a new loan with us, clients won’t need to restart the application process from scratch, as the Flip+ case will be reallocated back to the original underwriter, creating a far more streamlined and significantly faster experience than moving to another lender.”
Jemma Wood, director of portfolio, Asset and Risk at Hope Capital Property Finance added: “The loan support & relations team are on hand to assist our borrowers throughout their varying agreements. These specialists are ideally placed to support the transition from an initial bridging loan onto refurbishment requirements through our Flip+ product.
Our Flip+ loan product offers many benefits to our borrowers including removing the requirement of having to pay certain fees again. This not only provides a greater level of affordability to the borrower, but it also means they have more time and flexibility to capitalise on their loan.
By connecting acquisition and refurbishment into a single facility, Flip+ aims to provide greater speed, flexibility, and certainty for property developers managing time-sensitive projects.