Broker InsightrefinancebridgingBRRR
Day One Refinance: Pulling Capital Out on Completion
A Day One Refinance allows investors to refinance immediately after purchase based on the new title value — not what they paid. Used correctly on below-market-value acquisitions, it can return significant cash on the day of completion.
Standard lenders require a 6-month ownership period before refinancing. Specialist lenders offering Day One Refinance lend against a formal RICS valuation regardless of purchase price. An investor who buys a distressed property at £200,000 with a RICS valuation of £280,000 can refinance at 75% LTV (£210,000) on day one — recovering their entire deposit and profit within 24 hours of completion. Finding these lenders requires a specialist broker; they do not advertise on comparison sites.