Unlock the Full Potential of Your Leeds Property: Your Guide to Heavy Refurbishment Bridging Loans
If you’re a first-time developer, investor or even a homeowner looking to take on a major renovation or conversion project in Leeds, one of the first hurdles you’ll face is how to finance it. As a specialist property finance broker, I help people just like you access the right type of funding—especially when traditional mortgages fall short.
That’s where heavy refurbishment bridging loans come in. These are fast, flexible, and purpose-built for serious property works that involve more than just a coat of paint.
At Sunrise Commercial Finance, we guide you through the whole process—from structuring your application to securing the right lender, so you can focus on your project without worrying about the finance side.
What Is a Heavy Refurbishment Bridging Loan?
Unlike light refurb loans (used for simple upgrades like new kitchens or bathrooms), heavy refurbishment bridging loans are used to fund more substantial works. These include:
- Structural changes (e.g. knocking down walls, basement works, or extensions)
- Change of use (e.g. converting a house into an HMO or a shop into flats)
- Projects requiring planning permission
- Airspace developments or basement excavations
- Listed building refurbishments or non-standard constructions
In short, if your project involves significant changes to the structure or use of a property in Leeds, this is likely the right product.
Why Use a Broker Like Me?
Many clients come to me after being turned down by banks, or overwhelmed by conflicting information online. As a broker, I act in your best interest—not the lender’s. My job is to:
- Help you understand your options
- Package your application to improve approval odds
- Match your project to the right lender and product
- Navigate any obstacles around planning, structure, leasehold issues, or foreign national status
- Save you time and money through the entire process
I’ve built strong relationships with specialist lenders who understand the property market and can provide fast, reliable decisions—crucial for development finance.
What You Need to Know About the Loan Terms
Here’s an overview of what we can help arrange:
- Loan size: From £250,000 up to £10 million
- Loan term: Between 3 months and 24 months
- Interest: Rolled up (you pay it at the end)
- Loan basis: First charge only
- Up to 70% of Gross Development Value (GDV)
- 100% of refurbishment costs funded (in arrears)
- No exit fees
- Re-bridges considered case-by-case
- Available to individuals, LLPs, Ltd companies & trusts
- Foreign nationals welcome (UK credit footprint required)
- Minimum lease term: 70 years
Whether you’re looking at a below-market-value deal, tackling a listed building in Chapel Allerton, or converting a city centre office into high-yield apartments, I can help guide you to the most suitable finance structure.
Who Is This For?
This type of finance is ideal for:
- First-time property developers
- Buy-to-let landlords converting to HMOs
- Investors purchasing at auction
- Self-builders or renovators tackling complex properties
- Foreign investors with UK projects
You don’t need years of experience. If your project is viable, I can help you access the right funding—even if you’re just starting out.
EPC Bonus – A Green Incentive for Developers
If you’re planning to improve your property’s energy rating, some lenders offer a Green EPC Bonus—a cashback-style rebate at the end of the loan:
- Improve to EPC C – Get 0.25% of the loan amount rebated
- Improve to EPC A or B (light refurb) – Get 0.35% back
- Improve to EPC A or B (heavy refurb) – Get 0.50% back
These incentives not only reward you financially but also boost your property’s marketability and long-term value.
Why Leeds?
As someone working with property developers across the UK, I’ve seen Leeds emerge as one of the most promising cities for investment. With its strong rental market, growing student population, and regeneration zones like Holbeck and Kirkstall, it’s an ideal location for refurbishment and conversion projects.
Whether you’re converting a Victorian terrace in Headingley, extending a semi in Beeston, or reworking a former pub into flats, there’s real opportunity here—if you’re properly financed.
Let’s Talk
My role is to remove the stress from sourcing development finance. I speak the lenders’ language, understand what underwriters are looking for, and ensure your deal is structured to complete quickly and smoothly.
If you’re looking for a heavy refurbishment bridging loan in Leeds, let’s have a conversation. Even if your plans are still early-stage, I’ll help you assess feasibility and prepare you to move forward with confidence.
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/
📧 Or request a callback via our online form
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