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Restore Finance

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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.

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! 👋🏼

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

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 *

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! ☺️

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] 📧

31/03/2026

🏡 COMPLETED REFURB 🏡

Last May we organised the funds towards the purchase and refurb for this project in an affluent area of Manchester for one of our clients who chose one of our private lenders who has a very light touch approach towards monitoring the refurb using a surveyor from our panel. The clients chose an 18 month term which gave them 12 months for the extension and back to brick refurb and 6 months for the sale. The property is now sold STC for over £700k (hopefully completing this week) which means they only took 11 months rather than 18!

We love getting updates from our clients on the progress of their sites that we organise the funds for and what an amazing refurb they have done! Onto the next…

If you have a project in mind and would like to get some finance costs, get in touch! 👋🏼

09/02/2026

⚡️ FAST PROPERTY LOANS WITH LOW INTEREST RATES ⚡️

Usually we find that the cheaper the lender, the longer it takes for completion however one of our panel lenders has introduced a new product to their offering which is FAST bridging loans (approx 5 working days for completion) at 0.79% per month!

Fast Bridging Loans at 0.79%:

• Loan Size: Up to £500k
• Term: 3 - 12 months
• Location: England and Wales
• Security Type: Available for residential purchases, refinances, capital raise and light refurbishment works
• Interest Rate: 0.79%
• Valuation Type: AVM so an instant valuation
• Loan to Value: 75%
• Legals: Dual Representation (with NO upfront legal undertaking)
• Full title insurance used to ensure fast completions

If your funding requirement falls out of this criteria though, this lender or another one of our lenders will be able to accomodate, just get in touch! 👋🏼

21/01/2026

💫 2025 STATISTICS 💫

We are thrilled to announce that last year we completed over £16.3m of funds lent out over 46 completed deals!

As always we can’t thank our clients enough for always coming back to us to assist with arranging their funding and for our lenders / investors / solicitors and valuers who allow for this to happen! 💜

2026 has already started with a bang 💥 and we can’t wait to see what this years statistics will be! 👀

13/01/2026

🩷 OPEN ENDED LOANS AT 1% PER MONTH 🩷

One of our panel lenders have reduced their interest rate on first charge property loans until the 14th February 2026...

This lender specialises in open ended loans and they definitely don’t mind quirky assets as their security...

• Loan Size: £30k - £2m (but they will consider higher)
• Term: Open ended with no repayment deadline and no early redemption penalties
• Location: England and Wales
• Security Type: Residential, commercial and semi - commercial (this lender will accept hotels, golf courses, marinas, pubs etc)
• Interest Rate: 1% per month (as long as it completes before 14.02.2026, after this it will be 1.25% per month)
• Valuation Type: Full valuation required
• Loan to Value: 65% of the 90 day value
• Arrangement Fee: 2.5%
• Exit Fee: 3 months interest on redemption

But you need to act quick if you would like the 1% interest rate as the deal has to complete by the 14th February 2026 to secure this rate. 💨💞

05/01/2026

✨ DECEMBER 2025 ✨

Here is our last monthly report for 2025 for December… we found that we seemed to have gone quieter earlier than previous years for the festive period but it didn’t stop us having many completions for December!

We may have enjoyed the festivities a bit too much and was very lucky to go out for lots of drink / meals / events with our connections throughout the month but we’re now locking in for 2026 and can’t wait to see what it brings 👀🔒

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

http://restorefinance.co.uk/, https://linktr.ee/restorefinance

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