Our Services
Key benefits
Straightforward, flexible access to equity
Keeps pressure off during the marketing period
Works alongside estate agency and conveyancing timelines
Equity Release Finance
At Next Chapter Finance, we understand that sometimes you need to access funds tied up in a property before it sells. Whether you’re managing an estate, covering ongoing costs, or simply need to release cash ahead of completion, our Short-term Secured Finance provides a straightforward way to unlock equity without the pressure of monthly repayments — giving you time and flexibility while the sale moves forward.
Who it’s for
Inheritors/attorneys with a property that’s taking time to sell
Owners needing to cover running costs or release funds ahead of sale
At a glance
Up to 50% LTV (first legal charge)
No monthly payments — interest retained up to 12 months or until sale
Terms from 3–12 months
Use funds for holding costs, arrears clearance, or to take cash in advance of sale
Light Refurbishment Finance
At Next Chapter Finance, we understand that many properties—particularly inherited or long-vacant homes—need light improvements before they can achieve their best value. Our Short-term Equity Finance for Light Refurbishment provides the funds to complete essential upgrades such as redecoration, new kitchens or bathrooms, and minor compliance works. Designed for simplicity and flexibility, it helps you enhance a property’s condition and appeal without upfront costs or monthly repayments.
Typical works
Redecoration
kitchen/bathroom refurbishments
minor repairs
compliance items
At a glance
Up to 50% LTV (first legal charge)
No monthly payments — interest retained up to 12 months
Terms 3–12 months
Funds can be paired with Retirement Renovations fixed-price packages
Why choose this?
Improves presentation and value before sale/let
Managed works option via Retirement Renovations, funded in the loan
Quick set-up with a focused document list
Key Benefits
Fast decisions, simple requirements
Human support with clear updates
Designed for inherited/vacant homes and sensitive situations
Buy-to-let Finance
If you’re an experienced landlord or limited company looking for a straightforward long-term facility, our BTL financing provides a clean exit after refurbishment — or an alternative to selling — with predictable, interest only payments and clear criteria.
Who it’s for
Experienced BTL landlords seeking a simple refinance
Limited companies/SPVs letting residential property (includig retirement stock).
New to BTL? Please speak to us — we’ll talk you through options and next steps
At a glance
Loan size: £50,000 — £150,000
Term: 3-5 years
Repayjment: Interest-only, monthly by Direct Debit
LTV: Up to 65% of current property value (subject to status and valuation)
Security: First legal charge
Use of funds: Refinance from short-term works finance; hold for rental income; or prepare for fair-value sale later.
How it works with our short term financing
Plan the exit — agree the intended rental strategy and timescales
(if needed) Light works — use our short-term financing to fund modest refurbishment and compliance items
refinance to BTL — move onto a stable, interest-only facility for the medium term
Alternatives remain open — sale or third-party refinance where appropriate
If you are interested in BTL but are new to it or are unsure if BTL financing is right for you — please call us and we’ll advise on the best route forward for you and your property.
Why landlords choose our BTL financing
designed to follow a light-refurb journey for under-invested or long-vacant properties.
stragithforward criteria and claer pricing, with a human underwriter you can reach.
Works neatly alongside our short-term secured financingfor works (no jargon; we keep the process simple).