Our refurbishment loans are designed to cover works that make properties more attractive to buyers or tenants, allowing investors to sell for a profit or refinance as a rental opportunity.
We work with experienced property investors and developers across the UK, offering practical funding solutions that help revitalise underperforming or unloved properties into profitable assets.
Our refurbishment loan products:
- Light refurbishments
- Heavy refurbishments
We help our clients unlock value growth and optimise their development profitability.
Typical Refurbishment Products
What is a Conversion
or Refurbishment Loan?
“Where a client has identified a property and they want to spend some money on it to gain an uplift in value and generate a profit.”
Lee Barton, Relationship Director
People who deliver.
Our team is built on experience, consistency and long-term relationships. Our people stay, and so do our clients, creating a culture of trust, consistency and long term relationships.
Lee Barton
Relationship Director
Lee joined PMJ in 2020, bringing over 30 years’ experience in financial services, including time at NatWest and Together. He’s built an enviable black book of property developers, investors along the way — and when it comes to property finance, if Lee doesn’t know it, it’s probably not worth knowing.
Fiona Connor
Lending Manager
Fiona joined PMJ in 2024, having previously worked with Dave in a past life at Bank of Ireland. She brings a strong background in lending and supports the team in making sure clients get the fastest and most straightforward route through their projects.
Chris Fortune
Business Development Manager
Chris joined PMJ in 2025 to extend our work with brokers, bringing with him over 25 years experience in property finance. He works closely with brokers across the UK, helping them to support their clients in finding the right funding for their projects.
Claire Hextall
Marketing & PR Consultant
Claire has over 22 years’ experience in marketing and PR, with a strong background in property development and housebuilding. She joined PMJ as a consultant in 2020 and works closely with the team to promote PMJ’s services.
Keiran Holmes
Relationship Manager
Keiran joined PMJ in 2023 with over eight years’ experience in property finance, having worked at Together and Hope Capital. He supports our established client base of loyal developers and property professionals, bringing a calm, hands-on approach to every deal.
Siobhan O'Donnell
Lending Manager
Siobhan guides clients through every stage of the lending process, providing clear advice and dependable support from initial enquiry through to completion.
Jacqueline Peacock
Finance Manager
Jackie is PMJ’s Finance Manager and joined the team in 2023 as the business continued to grow. With many years’ experience, she plays a key role overseeing day-to-day financial operations, helping ensure everything runs smoothly behind the scenes.
David Rainford
Managing Director
Dave has spent many years in property finance, building strong relationships across funders and the professional community along the way. He leads the PMJ team with a straightforward, down-to-earth approach. Around the industry, he’s known as “Yoda” for knowing property finance inside out.
Stuart Stead
Director
Stuart is a chartered accountant and board director at PMJ, his commercial and financial expertise helps support PMJ's strategic growth. Drawing on his extensive experience in the property and construction sector, he provides insight and guidance to help drive the business forward.
Elise Williams
Lending Support
Elise is part of PMJ's lending team, supporting borrowers and brokers throughout the funding process. With a background in specialist property finance, she helps deliver a smooth, efficient experience from initial enquiry through to completion.
Ben Wright
Director
Ben is a board director who brings legal and commercial expertise to PMJ's strategic direction and continued growth. His experience as a solicitor, combined with his own property development and investment experience, gives him a practical understanding of the challenges and opportunities facing PMJ's clients.
The Berry Group Case Study
We’ve teamed up with The Berry Group on a number of projects — this is what they said:
“When our original lender fell through near completion, PMJ stepped up. We knew within minutes of our first call that they were the right fit for our business. They are more than just a lender; they’re collaborative partners who we continue to work with across multiple developments”.
Let us
introduce
ourselves.
When you work with us, you’re joining a winning team. You’ll be more than just a number, you’ll be our number 1 priority.
Trusted by our clients.
Behind every business transaction and financial objective is a person looking for clear, honest advice. Here is what our clients have to say about working with our team, and our commitment to their success.
Rob Lloyd
Bearmont
“Without the support from PMJ, our work could not have been achieved. PMJ has provided the support and the certainty we very much needed; this has been crucial to the success of the programme.”
Aga Niczyporuk
Aga Property
"We've worked with Kieran and the team on four projects, and the service has been exceptional every time. From bridging loans to development finance, the process has always been efficient and well managed. They are a trusted funding partner, and we wouldn't hesitate to recommend them."
Kevin Murphy
KMM Homes
“PMJ has been there since the start and are a key part of our growth strategy. Without them we wouldn’t have had the tremendous success that we have enjoyed over the past four years.”
Karl Ashcroft
Dome Developments
"We've recently completed our first development with PMJ and couldn't fault the service. The team made the process simple and straightforward from start to finish, and we look forward to working with the team again."