“I need to own a property for 6 months before refinancing.” - No you don’t! This is one we hear all the time 👉🏼 and it stops a lot of people from moving forward. In reality, the “6-month rule” isn’t a hard rule, it’s lender-specific policy. Some lenders apply it strictly. Others don’t, especially where the deal stacks up, the source of funds is clear, and the exit is well structured. It also really depends on whether work has been carried out on the property and whether you are happy to use the pre-works value to borrow against or require the post works market value. We see this myth come up a lot with: ➡️ BRRR projects ➡️ Auction purchases ➡️ Light refurb scenarios The key isn’t time owned, it’s how the deal is presented and who it’s taken to. If you’ve been waiting purely because you’ve been told “you need six months”, talk to us for a second opinion

Posted by Rob Peters at 2026-01-23 08:26:51 UTC