What a lender wants in your schedule of works

A schedule of works is the costed, line-by-line plan of your refurbishment. Bridging and development lenders ask for one because it shows the money is going somewhere real. A vague one-line 'refurb: £40k' gets sent back.

What it should contain

• Each work item listed separately — strip-out, rewire, plastering, kitchen, bathroom, flooring, decoration, externals.
• Quantities and unit rates where they apply (per m², per door, per unit), not just lump sums.
• A clear total, with a contingency shown as its own line.
• Enough detail that a contractor could quote against it like-for-like.

Why detail matters

Lenders use the schedule to sanity-check that your costs match the uplift you're claiming and to release staged drawdowns against completed work. A line-by-line breakdown also protects you: it's the document you hand to contractors for comparable quotes, and the baseline you measure variations against.

Build it once, reuse it

Cost the project room by room, total it with a contingency, and keep it as a clean document you can print or share. That single schedule does triple duty — lender evidence, contractor tender, and your own budget tracker.

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Guidance only. BrickCrunch provides general information, not financial, tax or legal advice. Always confirm figures and your own position before acting.