How Heavy Refurbishment Bridging Loans Are Powering Birmingham’s Property Boom
If you’re a property developer, investor, or homeowner in Birmingham, and you’re looking to transform or enhance an existing property, there’s one funding solution that can fast-track your plans: heavy refurbishment bridging loans.
Whether you’re converting a family home into an HMO, digging out a basement, or transforming a commercial unit into modern residential apartments, this loan offers the flexibility and speed you need to succeed in Birmingham’s thriving property market.
What Is a Heavy Refurbishment Bridging Loan?
A heavy refurbishment bridging loan is a short-term, interest-rolled loan designed specifically to fund extensive refurbishments or conversions. These loans are tailored for projects involving structural alterations, change of use, or development of basements, extensions, and airspace.
Unlike traditional mortgages, bridging loans provide faster access to funds and greater flexibility, helping you complete projects efficiently and refinance or sell for a return.
At Sunrise Commercial, we specialise in supporting developers across Birmingham and the West Midlands with intelligent, customised bridging finance.
Who Can Benefit from This Type of Loan?
Heavy refurbishment bridging loans are well-suited for:
- New and inexperienced property developers
- Investors acquiring properties needing significant work
- Landlords converting homes into HMOs
- Homeowners planning major structural upgrades
- Developers carrying out commercial-to-residential conversions
Even if you’re new to property, our team is here to guide you through every step.
What Can the Loan Be Used For?
Our bridging finance can support refurbishment or conversion of any existing property structure in Birmingham, including:
- Converting residential properties into HMOs
- Extending homes or developing basements
- Commercial-to-residential change of use (with planning in place)
- Renovating Grade II listed buildings
- Refurbishing non-standard construction properties
We also consider:
- Below market value transactions
- Airspace developments
- Re-bridges (case-by-case)
Key Loan Features
Here’s what you can expect from our heavy refurbishment bridging loans:
- Loan size: £100,000 to £10 million (Day 1 gross)
- Term length: 3 to 24 months
- Interest: Rolled-up (no monthly payments)
- Security: 1st legal charge
- Loan-to-GDV (LTGDV): Up to 70%
- Refurbishment costs: 100% funded in arrears
- Exit fees: None
- Lease requirement: Minimum 70 years
- Borrower types: Individuals, Ltd companies, LLPs
- Eligible parties: UK residents and foreign nationals (UK credit footprint required)
- Trusts: Onshore and offshore accepted
Planning Permission and Compliance
Planning permission must be in place prior to loan completion if required for your project. This includes conversions, structural changes, or change-of-use developments.
Not sure whether planning applies to your project? Contact Sunrise Commercial for expert guidance.
Green EPC Incentives
We reward energy-efficient refurbishments with our Green EPC Improver Bonus:
- EPC improved to C: Rebate of 0.25% of the total loan
- EPC improved to A or B (light refurb): Rebate of 0.35%
- EPC improved to A or B (heavy refurb): Rebate of 0.50%
Rebates are applied on loan redemption, supporting developers who make green upgrades.
Why Birmingham Is the Ideal Location
Birmingham is one of the UK’s fastest-growing property hotspots. Areas like Digbeth, Edgbaston, Selly Oak, and Moseley are being transformed by developers targeting high-yield investments.
With relatively affordable prices, growing demand, and strong rental yields, Birmingham offers fertile ground for both short-term refurb and long-term portfolio growth.
If you want to take advantage of the opportunity, speed is key—and that’s where bridging finance comes in.
Why Work with Sunrise Commercial?
We are more than just brokers—we’re strategic partners who support you through the entire project lifecycle. At Sunrise Commercial, we offer:
- Clear guidance for first-time developers
- Access to trusted professionals (surveyors, legal teams, contractors)
- Fast approvals and smooth completions
- Loans tailored to maximise your ROI and timeline
We know the Birmingham market and structure loans with your success in mind.
Get Started Today
Have a property in Birmingham ready for transformation? We’re ready to help you fund it. Speak with one of our experts to discuss your project and discover how we can move you forward.
Contact Sunrise Commercial:
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/
Don’t let opportunity pass you by. With the right bridging loan, your next Birmingham refurbishment could be your most profitable yet.
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