Refurbishment Bridging Loans For Birmingham, Up To 95% Purchase Price And 100% Build Costs
Thinking of refurbishing or flipping a property in Birmingham but unsure how to fund the deal? You’re not alone. Many first-time and small-scale developers struggle to get traditional finance for properties that need work — especially when timing is tight, and the property isn’t mortgageable.
But with the right refurbishment bridging loan, you can fund up to 95% of the purchase price, 100% of the renovation costs, and unlock serious value in your next project — even if you’re new to development.
As a specialist bridging loan broker, I work with investors and landlords across Birmingham to structure deals that work — fast, flexible, and funding-driven.
Let me show you how it works.
What Is a Refurbishment Bridging Loan?
A refurbishment bridging loan is a short-term funding solution designed for purchasing and improving a property. It’s a fast, flexible option that allows you to:
- Buy below market value
- Renovate quickly to increase value
- Exit via sale or refinance (BRRR strategy)
- Use little upfront capital
It’s especially powerful if you’re buying:
- Properties in poor condition
- Auction properties with tight deadlines
- Semi-commercial units with residential elements
- Buildings requiring structural or non-cosmetic upgrades
- Sites that are unmortgageable in their current state
Why First-Time and Small Developers in Birmingham Use Bridging Loans
Bridging loans aren’t just for big developers. If you’re just starting out in property or growing your portfolio, bridging finance gives you:
- Speed – Get funding in as little as 5–28 working days. (depending on complexity)
- Flexibility – Finance a wider range of properties and situations
- High leverage – Use less of your own capital
- Project funding – Cover works as well as purchase
And unlike traditional banks, lenders in this space are often more concerned with the deal than your experience — which is exactly where I come in to help you package it right.
Birmingham Refurbishment Loan Options – At a Glance
Here are the typical terms I can secure for clients:
- Up to 85% Loan-to-Value (LTV) on day-one purchase
- Up to 95% of the purchase price (with strong deals)
- 100% of refurbishment costs funded
- Up to 75% of GDV (Gross Development Value)
- Minimum loan size: £50,000
- Maximum loan: £1.8m+
- Cosmetic and structural works allowed
- Asset Manager required only if refurb is under £50k
- Terms from 6 to 18 months
- No experience required – deal-led lending
Whether you’re tackling a single-family flip or upgrading a semi-commercial unit in Digbeth or Edgbaston, this structure provides the funding needed to unlock value.
100% Refurbishment Costs – How It Works
You might be wondering, “If the lender is covering 100% of the works, do they pay my builder directly?”
Here’s how the staged payment system works:
- Agreed works schedule: You submit a breakdown of your refurb plan and costs
- Initial drawdown: The loan is released for purchase (up to 95%)
- Refurb drawdowns: Costs are reimbursed in stages
- Inspections: After each stage is complete, the Asset Manager verifies the work
- Funds released: You’re reimbursed for completed works
- Repeat: You move through each phase of the project
You will need some working capital to get started — but you don’t have to fund the entire refurb from your own pocket. And I can help you structure the plan to maximise cashflow throughout.
What Can Be Funded?
These bridging loans go beyond just paint and flooring. You can also get funding for:
- Full internal refurbishments
- New kitchens, bathrooms, rewiring, plumbing
- Layout reconfigurations
- Structural works with approvals
- Conversions of commercial to residential
- Energy efficiency upgrades (e.g., insulation, heating systems)
As long as you can demonstrate a clear end value and realistic exit strategy, most lenders will support cosmetic and light structural work under the same facility.
Your Exit Strategy: What Lenders Want to See
All bridging finance is short-term, so lenders need to know how you plan to repay. This is your exit — and it’s one of the most important parts of the application.
Common exit routes:
- Sale – Flip the property for a profit
- Refinance – Retain the asset and move onto a long-term mortgage
- Let-to-sell – Rent short-term before selling later
I work with clients to build strong, lender-friendly exits — backed by realistic valuations, timelines, and fallback plans.
A Typical Birmingham Refurb Deal – Example
Project: 3-bed terrace in Selly Oak, unmodernised
Purchase price: £160,000
Refurbishment cost: £40,000
End value (GDV): £260,000
Exit: Buy-to-let refinance at 75% LTV
Loan structured:
- £152,000 towards purchase (95%)
- £40,000 refurbishment (100%)
- Total loan: £192,000
- Client input: just £8,000 + fees
- Completion time: 8 working days
- Exit: Refinanced at £195,000, pulling equity out
This client used minimal capital to complete their first BRRR deal — and is now looking for their next opportunity.
Why Work With a Broker (Not a Bank)
You won’t find this kind of funding on the high street. And going direct to lenders can cost you time, money, and missed opportunities — especially if your application isn’t packaged right.
As your independent bridging loan broker, I:
- Access the entire market — not just one lender
- Match your deal with the right funding structure
- Help you position your project for approval
- Handle the paperwork and liaise with the lender
- Speed up completions and reduce stress
And I’m here for the whole journey — from quote to completion to exit.
Getting Started with a Refurbishment Bridging Loan in Birmingham
Whether you’ve already got a deal lined up or are exploring your options, I offer a free, no-obligation consultation to walk you through:
- How much you can borrow
- What you’ll need to contribute
- How your refurb costs will be funded
- What your exit could look like
- What lenders will be looking for
You don’t need to be an experienced developer. You just need a solid deal and a clear plan — and I’ll help you handle the rest.
Book Your Free Birmingham Refurb Finance Strategy Call
I’ll help you fund your next deal — even if you’re just starting out.
Visit www.sunrisecommercial.co.uk
Or contact me directly at sunrisecommercial.co.uk/contact
Let’s talk through your next move and find the funding to make it happen.
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