Heavy Refurbishment Bridging Loans for London Explained
When it comes to property development in London, securing the right finance can make or break your project. Whether you are an experienced property investor or taking on your first major refurbishment, navigating the finance world can feel overwhelming. That’s where Sunrise Commercial Finance comes in — as experienced bridging loan brokers, we specialise in connecting our clients to the best heavy refurbishment bridging loan options available.
In this article, we’ll explain what heavy refurbishment bridging finance is, how it works, and how our expertise can help you fund your next London property project with confidence.
What is a Heavy Refurbishment Bridging Loan?
A heavy refurbishment bridging loan is a short-term funding solution designed to cover significant building works that go beyond simple cosmetic updates. Heavy refurbishment includes structural alterations, conversions, and substantial property improvements.
Common examples of projects suitable for heavy refurbishment finance include:
- Converting a residential property into an HMO (House in Multiple Occupation)
- Adding extensions, such as a loft conversion or new wing
- Excavating or developing a basement
- Changing a property’s use, for example, commercial to residential
- Upgrading Grade II listed properties
- Strengthening or altering the property’s structure
These projects often require specialised finance that understands the unique challenges of major refurbishment. That’s where a bridging loan broker like Sunrise Commercial Finance can add real value — helping you source the right loan, fast.
Key Features of Heavy Refurbishment Bridging Finance We Can Arrange
As expert brokers, we work with a panel of trusted lenders to offer a wide range of options tailored to your project needs:
- Minimum Loan: £250,000 (day one gross)
- Maximum Loan: £10,000,000*
- Loan Term: 3 to 24 months
- Interest: Rolled-up (no monthly payments)
- Security: 1st charge loan
- Leverage: Up to 70% Loan to Gross Development Value (LTGDV)
- Refurbishment Costs: 100% funded in arrears
- Exit Fees: None
We work with lenders who are flexible and understand the fast-moving London property market, ensuring you get terms that work for you — not against you.
What Types of Projects Can We Help Finance?
We specialise in brokering finance for a broad range of projects across London and the UK, including:
- Light, heavy, and change-of-use refurbishment
- Basement and airspace developments
- Commercial-to-residential conversions
- Below market value (BMV) transactions
- Grade II listed property refurbishments
- Non-standard construction properties
We also broker loans for re-bridges where necessary and can assist with refinancing options mid-project if needed.
If planning permission is required, it must be granted before the completion of the loan — we help ensure all paperwork is in order to avoid delays.
Who Can Apply for a Heavy Refurbishment Bridging Loan?
At Sunrise Commercial Finance, we arrange bridging loans for a wide range of clients, including:
- Individual property developers and investors
- Limited liability companies (Ltd)
- Limited liability partnerships (LLPs)
- Onshore and offshore trusts
- Foreign nationals (with a UK credit footprint)
Whether you’re working alone or as part of a company or trust structure, we can source the right funding option for you.
Why Work With a Specialist Broker Like Sunrise Commercial Finance?
Working with an experienced bridging loan broker gives you access to:
- A wider choice of lenders and products
- Competitive rates and flexible terms
- Faster turnaround and decision-making
- Expert advice tailored to your project
- Access to funding for non-standard properties
- Personal service and support from application to completion
We act solely in your best interests, negotiating the best terms on your behalf. Our focus is always on making sure you secure finance that works for your project timeline, your cashflow, and your long-term success.
Environmental Incentives: Green EPC Improver Bonus
We are proud to work with lenders who reward environmentally friendly developments. If you improve your property’s Energy Performance Certificate (EPC) rating through your refurbishment works, you could qualify for a Green EPC Improver Bonus:
- EPC improved to C: 0.25% of loan amount rebated
- EPC improved to A or B (light refurb): 0.35% of loan amount rebated
- EPC improved to A or B (heavy refurb): 0.50% of loan amount rebated
Not only does a higher EPC rating increase the value and rental yield of your property, but you’ll also get money back at redemption — a win-win for developers and the environment.
Frequently Asked Questions (FAQs)
How fast can I get a heavy refurbishment bridging loan arranged?
We understand that timing is critical. Working with our panel of lenders, we can often arrange facilities within 7 to 14 days, subject to valuation and legals.
Can you help with below market value (BMV) property purchases?
Yes. Many of our lender partners will consider BMV transactions, allowing you to leverage more value from day one.
Can you arrange finance for foreign nationals?
Yes, we can help foreign nationals secure bridging loans, provided they have a UK credit footprint.
Let’s Make Your Next London Project a Success
If you are planning a heavy refurbishment project in London, don’t leave your finance to chance.
Work with a specialist broker who understands your needs and can secure the best deal on the market.
Contact Sunrise Commercial Finance today for a free, no-obligation consultation.
Call us or visit www.sunrisecommercial.co.uk to get started.
For more information contact us for a fees free chat.
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📞 Call us at 07939 091418
📧 Email: john@sunrisecommercial.co.uk
🌐 Visit: https://www.sunrisecommercial.co.uk/
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