Charles Street Finance launches EPC-linked refurbishment bridging product

By Bridging Loan Directory 3rd June 2026

Charles Street Finance has launched a new refurbishment bridging product designed to support landlords and property investors improving the energy efficiency of residential properties.

Initially available across the Northwest, the new ‘Green’ Refurb Bridge product provides loans of up to £600,000 over an 18-month term to fund property purchases, refinance existing loans and complete refurbishment works aimed at improving EPC ratings.

Pricing is linked directly to EPC improvements completed during the term of the facility. Rates start from 0.99% at 75% LTV, reducing to 0.95% for properties achieving an EPC rating of C, 0.85% for a B rating and 0.80% for an A rating.

The product has been launched as landlords and investors face increasing pressure to improve the energy efficiency of rental properties ahead of proposed minimum EPC requirements for the private rented sector.

Charles Street said the product is designed for experienced property professionals carrying out refurbishment and value-add projects, including portfolio upgrades and building repurposing opportunities.

Penny Ridgway, Development Relationship Manager at Charles Street Finance, said:

“Over half of homes in the Northwest are estimated to have an EPC rating of D or lower, which highlights the scale of the refurbishment opportunity across the region.

We wanted to create a product that not only helps investors access fast finance to acquire or refinance properties, but also rewards them for improving energy efficiency standards through the refurbishment process.”

Charles Street Finance currently delivers around £35 million of bridging finance completions each month and said it intends to assess demand for the product in the Northwest before considering a wider national rollout.