Velorix · Purchase + renovation loan

Needs work? One loan unlocks the listing.

A specialised finance channel funds the purchase price and the renovation budget in a single mortgage, so your buyer can take on the home that needs work and you can sell it.

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The problem it solves

The listings that need work are the hardest to sell.

A buyer likes the home but cannot fund the purchase and the renovation separately. The property stays on your books, and the owner loses patience.

Two costs, one buyer.

The price plus the work is more than many buyers can fund on their own.

The renovation is left out.

Without it in the loan, the work has to come from savings the buyer may not have.

Listings that sit.

Homes that need work stay on the market while buyers look elsewhere.

How it works

Three steps.

You spot the listing.

A home that needs work and a buyer who likes it. Send us the case.

We connect the buyer to the loan.

We route your buyer to a specialised lender that looks at the purchase and the renovation budget together.

Buy, then renovate.

One loan and one payment. The renovation money is released in stages, certified as the work is done. Grace periods and terms are set by the lender.

What's included

What you get.

Explore Premium Agent

At a glance

Purchase price and renovation budget financed in a single mortgage.
One loan, one payment.
Grace period and term set by the lender for each buyer's profile.
Staged, certified drawdown of the renovation money.
Your client stays yours: we never prospect or cross-sell the clients you refer.

The lender decides.Amounts, rates and terms are set by the lender and depend on each buyer's profile and project. Nothing on this page is a guarantee of approval. How and when you are paid for a referral is set out in the written conditions you sign with Velorix.

Who it's for

Made for how you work.

Listing agent

You have homes that need work.

Older properties that buyers like but cannot afford to renovate.
Listings that have been on the market too long.

Buyer's agent

Your buyer wants to renovate.

Buyers who want a home they can make their own.
One loan instead of a mortgage plus separate money for the work.

Anything else on your mind?

Good questions.
Clear answers.

If your question is not here, ask us directly. We answer on WhatsApp in business hours.

Let's talk it through

What is a purchase + renovation loan?

It is a mortgage that finances the purchase price and the renovation budget together: one loan, one payment. We route your buyer to a specialised finance channel.

How is the renovation money paid out?

In stages, certified as the work progresses. Grace periods and terms depend on the lender and on each buyer's profile.

Is approval guaranteed?

No. The lender studies each buyer and each project and sets the amount, rate and terms. We connect your client and keep you informed.

Does my client stay mine?

Yes. We are your back-office, not a competing agent. You keep the relationship and the sale.

Next step

Have a listing that needs work?
Let's make it sellable.

Send us the property and the buyer. We route the case to the lender and keep you in the loop.