---
title: "Refurbishment Loan Lenders and Adverse Credit"
description: "If you’re looking for a refurbishment loan to exit development funding and have a history of adverse credit, lenders may inquire about your options for remortgaging. This is part of their assessment to understand your exit strategy for the loan, especially if the plan involves refinancing the property after refurbishment."
url: "https://mortgagelane.com/guides/land-bridging-loans/refurbishment-loan-lenders-and-adverse-credit"
site: "Mortgage Lane"
collection: "guides"
date: "2026-04-13"
author: "Written by an adviser at Mortgage Lane"
category: "Mortgage guide"
reviewed: "2026-10-08"
reading_time: "2 min"
byline: "Written by an adviser at Mortgage Lane"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# Refurbishment Loan Lenders and Adverse Credit

If you’re looking for a refurbishment loan to exit development funding and have a history of adverse credit, lenders may inquire about your options for remortgaging. This is part of their assessment to understand your exit strategy for the loan, especially if the plan involves refinancing the property after refurbishment.

If you’re looking for a refurbishment loan to exit development funding and have a history of adverse credit, lenders may inquire about your options for remortgaging. This is part of their assessment to understand your exit strategy for the loan, especially if the plan involves refinancing the property after refurbishment.

[Land bridging loan](https://mortgagelane.com/definitions?term=land-bridging-loan)

Bridging finance

A short-term loan secured against land, used to fund a purchase or release capital before an agreed repayment event.

[Read the full definition of Land bridging loan](https://mortgagelane.com/definitions?term=land-bridging-loan)

Back to overview

[Land Bridging Loans](https://mortgagelane.com/short-term-finance/land-bridging-loans)

Related definitions

[Refurbishment finance](https://mortgagelane.com/definitions#def-refurbishment-finance)

·

[Adverse credit](https://mortgagelane.com/definitions#def-adverse-credit)

## Refurbishment Loan Lenders and Adverse Credit

If you’re looking for a refurbishment loan to exit development funding and have a history of adverse credit, lenders may inquire about your options for remortgaging. This is part of their assessment to understand your exit strategy for the loan, especially if the plan involves refinancing the property after refurbishment.

It is common for developers to run out of time on their development finance facility and might be looking for a “finish and exit” product, whilst these lenders are also happy with adverse credit for sale exits, they might not be so keen with adverse credit for remortgage exits. Finish and exit products are used for the remainder of the phase 2 works on a development, more information on this product can be found on our [Development Exit](https://mortgagelane.com/short-term-finance/development-exit-finance) page.

Developer exit products will fund up to 75% LTV against the value of the site, which in some cases could be 95% completed and therefore could be quite flexible.

## Talk it through with an adviser

Speak to a Mortgage Lane adviser about your circumstances and the next steps.

Published: 2026-04-13

Last reviewed: 2026-10-08

Source: https://mortgagelane.com/guides/land-bridging-loans/refurbishment-loan-lenders-and-adverse-credit