Value Uplift / Day-1 Mortgages
Finance designed for property investors to unlock immediate capital growth and maximise investment potential from day one.
Access Specialist Outside IR35 Lenders
Over 120 UK lenders providing mortgage solutions for contractors outside IR35
Mortgage-Tek connects contractors operating outside IR35 to lenders experienced in self-employed and limited company income.
We ensure accurate affordability assessment, competitive rates, and smooth application processes.
Understanding Value Uplift Mortgages
Finance that maximises property equity from day one
 A value uplift or day-1 mortgage allows investors to borrow against the potential future value of a property. Lenders consider
refurbishment plans, market trends, and projected capital growth to provide funding that maximises investment returns immediately.
Flexible Value Uplift Mortgage Options
Solutions for different investment strategies
Refurbishment Value Uplift Mortgages
Finance for properties requiring refurbishment, allowing investors to borrow based on projected post-refurbishment value to unlock capital and improve rental income.
Day-1 / Immediate Equity Mortgages
Lenders provide mortgages based on anticipated market growth, enabling investors to access property equity immediately upon purchase.
Portfolio Value Uplift Mortgages
Tailored solutions for investors holding multiple properties, leveraging projected capital appreciation to maximise borrowing across a portfolio.
Conversion / Development Mortgages
Funding for converting or developing properties with potential value uplift, with staged drawdowns based on progress and lender assessment.
Is a Value Uplift / Day-1 Mortgage Right for You?
Ideal for property investors seeking immediate capital growth
These mortgages suit investors aiming to unlock property equity from day one, fund refurbishments, or leverage projected market growth for investment returns.
- Investors purchasing properties with refurbishment potential
- Landlords seeking immediate equity for portfolio expansion
- Property developers leveraging projected market value growth
- Portfolio investors aiming to maximise borrowing efficiency
- Investors needing finance for value enhancement projects
What Lenders Will Assess
Core factors for value uplift mortgage approval
Property Valuation and Potential
Lenders assess current property value, projected value post-refurbishment, and market trends to determine maximum borrowing limits.
Refurbishment or Development Plan
A detailed plan showing projected costs, timelines, and expected value uplift is required for loan approval.
Borrower Experience and Credit Profile
 Investor experience in property development or refurbishment and personal credit history are reviewed for eligibility.
Deposit / Loan-to-Value
Typical deposits range from 20–40% depending on property type, lender, and projected uplift.
Rental Income and Affordability
For buy-to-let applications, lenders consider rental income projections to ensure mortgage repayments can be covered.
How Much Can I Borrow Calculator
Borrowing based on property potential and projected uplift
Loan amounts depend on current and projected property value, refurbishment plans, and lender criteria. Mortgage-Tek provides guidance to calculate optimal borrowing for maximum investment return.
Your Estimated Borrowing Amount
Expert Guidance for Investors Seeking Immediate Equity
Specialist advice for value uplift property finance
 Mortgage-Tek helps investors unlock property value from day one, securing competitive rates, tailored advice,
and full support from application to completion for optimal investment outcomes.
Specialist Lender Access
We connect investors to lenders experienced in value uplift mortgages, providing competitive rates and flexible terms for immediate equity access.
Tailored Investment Advice
We assess property potential, refurbishment plans, and market trends to deliver personalised mortgage solutions.
Flexible Loan Options
Refurbishment, development, day-1 equity, or portfolio mortgages structured to meet lender and investor needs.
Transparent Process Guidance
Clear explanation of rates, fees, and repayment obligations ensures investors understand all financial commitments.
End-to-End Support
We manage lender communication, valuations, and documentation for a seamless mortgage experience.
Regulated and Responsible Advice
All advice complies with FCA regulations, ensuring ethical, structured guidance for property investors.
Frequently Asked Questions
Answers to common value uplift mortgage queries
Can I borrow against projected property value?
Yes, day-1 and value uplift mortgages allow borrowing based on anticipated post-refurbishment or market growth value.
What deposit is required?
Deposits typically range from 20–40% depending on property type, lender, and projected uplift.
Can I refinance an existing property with value uplift?
Yes, refinancing options allow investors to release equity or leverage projected value growth.
Will my credit history affect approval?
Credit history is assessed, but lenders prioritise property potential and investor experience.
How long does the application take?
Applications usually take 6–10 weeks depending on valuation, documentation, and lender assessment.
Can I use this finance for refurbishment projects?
Yes, funding is available for property refurbishment or development with staged drawdowns based on lender assessment.