For Mortgage Brokers
Your Client Got the Mortgage. Now They Need the Builder.
Bridging loans, development finance, BRR refurbishments — your client's deal only works if the construction works. RCB provides fixed-price, programme-led delivery that lenders and valuers accept.
When the Builder Gets It Wrong, Your Deal Is at Risk
Finance-backed renovation projects live and die by the construction quality. An unreliable builder does not just annoy the client — they blow the refinance timeline, breach loan conditions, and put your client's deal in jeopardy. And who fielded the “my builder has disappeared” call? You.
RCB provides the structure that finance-backed projects demand. Fixed price. Written programme. Lender-ready documentation.
What RCB Offers Mortgage Brokers
We understand that your client's renovation is tied to a financial product with deadlines, conditions, and a lender watching closely. We build accordingly.
Bridging Finance Friendly
- Understands lender timelines and valuation triggers
- Programme of works issued — usable for lender submissions
- Fixed-price contracts provide lender confidence in cost control
- We coordinate with valuers and surveyors professionally
Built for Refinancing Timelines
- Fast turnaround without cutting corners
- Works programme aligned to your client's refinance target date
- Progress milestones documented and available for lenders
- End-of-project GDV uplift is our shared objective
Fixed Price for Lender Confidence
- No runaway costs that breach your client's loan-to-cost ratios
- Itemised cost plan — suitable for submission with finance applications
- Variations formally documented before proceeding
- Payment schedule tied to milestones, not arbitrary draws
Documentation That Lenders Accept
- Detailed scope of works for valuation purposes
- Contractor credentials and accreditations available on request
- Completion certificates, building control sign-off, warranties
- Experienced with regulated mortgage and bridging environments
How We Work With Brokers
From introduction to refinance-ready completion — a structured process that your lender, valuer, and client can all follow.
Broker Makes Introduction
Simple referral — WhatsApp, email, or a three-way introduction. We are professional from the first contact and won't make you look bad.
Site Survey & Cost Plan
We survey the property and issue a detailed, itemised cost plan — written, signed, suitable for lender submission.
Programme Issued
A clear programme of works tied to your client's finance milestones. Lenders and valuers can see exactly what is happening and when.
Works Delivered on Time
We deliver to programme. Progress is documented. Milestones trigger payment draws. No surprises — for your client or their lender.
Refinance-Ready Completion
Completion pack issued: building control cert, warranties, final cost account. Your client refinances. Deal done — and they remember who put it together.
Credentials Lenders Recognise
Accredited, verified, insured. The documentation your lender may ask for — we already have it.
Lender Documentation Available
We can provide contractor insurance certificates, CHAS accreditation documents, Constructionline verification, and CHAS accreditation evidence — in the format lenders and monitoring surveyors typically request.
Broker FAQs
Can you provide a cost plan suitable for a lender submission?
Yes. We issue a full itemised cost plan — scope of works, cost breakdown, programme of works — which is typically accepted by bridging lenders and development finance providers. We can also provide contractor credentials and insurance documentation on request.
What if the lender's valuer needs to see the works in progress?
We accommodate valuation visits at any stage. We can provide progress photographs, a live CCTV feed, and a programme showing works completed versus outstanding. Coordinating with lenders and valuers is part of how we operate.
Can you work to a refinance deadline?
Yes — and we will be honest with you upfront if the timeline is unrealistic. We would rather give you an accurate programme at the start than overpromise and leave your client's refinance exposed. If the scope can be phased to achieve the valuation trigger faster, we will advise that.
Do you have experience with HMO and development finance projects?
Yes. We have delivered HMO conversions, BRR projects, and light development schemes. We understand the commercial imperative behind refurbishment finance and structure our delivery accordingly.
Let's Talk About Your Client's Project
Tell us about the property and the finance structure. We will let you know if we are the right fit and what we can deliver — before your client commits to anything.