Restore Finance

Restore Finance Property finance brokers who specialise in providing bridging, re-bridging and development finance. Why choose Restore Finance?

Restore Finance are a family run business established in 1998. We are predominately commercial finance brokers based in Westhoughton, Bolton but we also have a small loan book that we use for joint ventures. Our team has extensive finance industry experience and will be able to offer you solutions for your business funding requirements whether its a short term fix or something, more longer term. W

e specialise in Bridging, Re-Bridging and Development Finance but also offer many other services. We have many great relationships with lenders, clients and introducers. This gives us access to products and rates that won't normally be available to the borrower if they go direct to a lender. Also we know how to package your deal to the lender correctly giving a higher chance of successfully completing your deal. For all enquiries you can either email the RFL Team on [email protected] or call our office on 01942 665 505. We look forward to hearing from you.

💥 95% REFURB PRODUCT AVAILABLE 💥We have a lender who is offering a very unique refurb product... you can borrow a gross ...
07/09/2026

💥 95% REFURB PRODUCT AVAILABLE 💥

We have a lender who is offering a very unique refurb product... you can borrow a gross loan of up to 95% of the purchase price on day ONE!

How does this work? The 95% consists of 75% towards the purchase of the property and 20% which is prepaid towards the refurb costs totalling 95% on day one.

The borrower needs to demonstrate that they have the funds for the refurb.

Once the property is complete, the lender will also offer an option to do a further advance to take the total borrowings to 75% of the GDV giving the borrower additional funds once the property has been completed.


This Products Parameters:

• Loan Size: £50k - £1m
• Term: 3 months - 24 months
• Arrangement Fee: 2%
• Exit Fee: 0%
• Location: England, Wales & Parts of Scotland
• Security Type: Residential and Semi-Commercial
• Interest Rate: From 1.06% per month
• Borrower: Adverse Credit Considered
• Valuation Type: Short form valuations on deals below £150k, full valuations for deals over £150k with re-addresses considered
• There are also NO monitoring surveyors for the refurb works

Case Study on this Product:

Our client is buying a property for £145k, spending £30k on the refurb with a GDV of £230k.

The lender will provide a gross loan on completion for the purchase of £137,750 (95%) which after deducting fees and 12 months interest gives a net day one loan of £117,270 (80.88%).

When the works are done the lender will increase the gross loan to 75% of the GDV - £172,500, giving the borrower more funds back for their next project.

Terms can be up to two years but if you’re confident you can refurb in six months your day one net advance will be higher (as you’re only deducting six months interest rather than twelve above) and you have the comfort of the further advance when complete.

If you would like some terms for this product, please send the details of your project to [email protected] 👋🏼📧

✔️ COMPLETED REFURB ✔️ Last August we organised the funds for our clients to purchase the below property and fully refur...
04/08/2026

✔️ COMPLETED REFURB ✔️

Last August we organised the funds for our clients to purchase the below property and fully refurb it and now it is on the market ready for a sale!

If you’ve seen a property in mind that you’d like to purchase, refurb then sell on or rent out and would like us to work out the finance costs to organise the funding then we will do this at no charge and there is no obligation to go ahead with the funding so get in touch!

☀️ NEW PROMOTION ☀️One of our panel lenders is offering this promotion of NO application fees, NO upfront lender legal f...
14/07/2026

☀️ NEW PROMOTION ☀️

One of our panel lenders is offering this promotion of NO application fees, NO upfront lender legal fees and FREE valuations for July! 🤩

And obviously we don’t charge any upfront fees here at Restore Finance!

What Qualifies?

• Residential Bridging Applications
• Standard Cases
• Light & Medium Refurbishments
• Small HMO’s

This Lenders Criteria:

Loan Size: £37,500 - £1m
LTV: Up to 75%
Term: 3 - 18 months
Rates: From 0.69% per month

* T&C’s apply for this promotion *

To find out more or to submit a case, please get in touch with our team on…

Email: [email protected]
Tel: 01942 665 305

❕EXCLUSIVE Commercial Bridging Loans...❕One of our private investors has readily available funds for COMMERCIAL ONLY bri...
08/07/2026

❕EXCLUSIVE Commercial Bridging Loans...❕

One of our private investors has readily available funds for COMMERCIAL ONLY bridging loans!

The Highlights:

• LTV: Up to 80%
• Term: 12 months
• Loan Size: £150k - £750k
• Interest Rate: From 1.1% per month
• Location: England and Wales
• FIVE DAY COMPLETION from valuation
• Valuations can be rewrites
• Commercial properties ONLY (no semi-commercial or residential properties)
• Adverse Credit Considered

* If your requirements do not meet this criteria, we have other lenders who will be able to assist. *

For more information or to get a free, no obligation quote, please email us on [email protected]! 📧

Last night we attended Morpheus Lending’s summer soiree in Manchester along with fellow brokers, solicitors, investors e...
03/07/2026

Last night we attended Morpheus Lending’s summer soiree in Manchester along with fellow brokers, solicitors, investors etc!

We had a lovely evening and even came away with an award! 👏🏼🥂

Thank you for a great evening! 🥰

🐜 SMALL REFURB LOANS 🐜 Sometimes it is harder for brokers to place small refurb loans under £200k however NOT FOR US as ...
14/05/2026

🐜 SMALL REFURB LOANS 🐜

Sometimes it is harder for brokers to place small refurb loans under £200k however NOT FOR US as we have lenders who specialise in these…

• Minimum Loan Size: £50k
• Rates: From 0.94% per month
• LTV: Up to 85%
• LTGDV: Up to 75%
• 100% of Refurb Costs
• Light Touch Monitoring
• Dual Representation Legals and Title Insurance

If you have seen a project and would like to get a free, no obligation quote for the finance costs - get in touch! 👋🏼

😮 TWO DAYS FOR LEGALS 😮 Last week we completed a £395k refinance for one of our regular clients with the legals only tak...
01/05/2026

😮 TWO DAYS FOR LEGALS 😮

Last week we completed a £395k refinance for one of our regular clients with the legals only taking TWO DAYS!

The legal undertaking was given on Monday and the deal completed on Wednesday - that is 2 days from the solicitor starting the legal work to completing it! This is so impressive considering with some deals, the legals can take months to complete! 🥱

If you have a loan that you need to complete fast on then we have a panel of lenders who we know can act with speed! 🚀

Get in touch today…

📧 Email: [email protected]
📞 Tel: 01942 665305

❗️SPECIAL OFFER❗️One of our lenders is offering FREE legal and valuation fees for all applications received by the 29th ...
23/04/2026

❗️SPECIAL OFFER❗️

One of our lenders is offering FREE legal and valuation fees for all applications received by the 29th May 2026 and completed by the 30th September 2026! ⏰

This promotion is available across all their products which are bridging, re-bridging and refurbishment finance.

• Rates from 0.62% per month
• Terms up to 24 months
• Loans up to £10m
• Properties in England, Wales & Scotland
• Up to 75% LTV

The promotion is cash-back of £1500 (for loans completing between £250k - £500k), £2500 (£500k - £1m) and £3500 (£1m - £10m) towards the valuation and legal costs.

If you would like to get some terms from this lender, please get in touch:

Email: [email protected]
Tel: 01942 665 305

* T&C’s apply *

📍 SITE VISIT 📍Yesterday we visited one of our clients and one of our lenders (that came up from London) at our clients s...
17/04/2026

📍 SITE VISIT 📍

Yesterday we visited one of our clients and one of our lenders (that came up from London) at our clients site in Sheffield. He has built 7 detached properties on the outskirts of the city - 4 are finished and 3 are ready for the first fix. 🏠

We have been working closely with this client over the past 12 months restructuring his borrowings on this site and on his portfolio. 🤗

It’s always great to meet up with a client face to face and be present if our clients meet the lender to address any funding queries they might have! ☺️

👋🏼 Introducing a New Bridging Lender... 👋🏼 There is a new bridging lender that has entered the industry who we have welc...
08/04/2026

👋🏼 Introducing a New Bridging Lender... 👋🏼

There is a new bridging lender that has entered the industry who we have welcomed to our panel. They are technology driven to streamline the process from start to finish meaning they can complete fast and with ease (and no printing)!

The Highlights:

• 75% LTV
• Dual Representation Legals
• No Upfront Legal Fees
• Free instant AVM for the valuations (when possible)

Product Summary:
• Loan Size: £50k - £2m
• Term: Up to 18months
• Location: England and Wales
• Security Type: Available for residential purchases, refinances, capital raise and light refurbishment works
• Interest Rate: From 0.9% - the interest can be serviced or retained
• Fees: No exit fees, 2% arrangement fee
• Valuation Type: AVM so an instant valuation
• Loan to Value: Up to 75% / 85% for light refurb
• Legals: Dual Representation (with NO upfront legal undertaking)
• Title and search indemnity used to ensure fast completions

If you would like to have a chat or get some free, no obligation quotes then get in touch:

Tel: 01942 665305 📞
Email: [email protected] 📧

Address

7 Market Street
Westhoughton
BL53AH

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441942665305

Website

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