Need Property Finance Fast? Super Fast Bridging Loans for Birmingham – What You Need to Know
If you’re a property investor, developer, or landlord in Birmingham, you already know that timing is everything. From auction purchases to urgent refurbishments, there are countless scenarios where traditional finance simply doesn’t move fast enough.
That’s where bridging loans come in.
As a broker with years of experience helping clients access fast, flexible funding, I work with lenders who specialise in quick-turnaround bridging loans. Whether you’re new to property or have an established portfolio, we can arrange super fast bridging finance in Birmingham, typically in 24 to 72 hours from application to completion.
Here’s what you need to know if you’re considering short-term finance to move on an opportunity.
What is a Bridging Loan?
A bridging loan is a short-term, interest-only loan designed to give you access to funds quickly, with the expectation that you’ll repay it through a sale or long-term refinancing.
Loan terms range from 3 to 18 months, and they’re often used for:
- Buying properties at auction
- Renovating or converting properties
- Purchasing below-market-value assets
- Covering shortfalls between transactions
- Refinancing existing bridging loans
- Avoiding delays with traditional mortgage lenders
As a broker, I work with lenders who understand the Birmingham market and can deliver funding with speed, flexibility, and minimal red tape.
Why Bridging Loans Make Sense in Birmingham
Birmingham has become a major hotspot for property investment. From regeneration projects in Digbeth and the Jewellery Quarter to student and HMO demand in Selly Oak and Edgbaston, the city offers diverse and fast-moving opportunities.
But with competition increasing and timelines tightening, the ability to act quickly is more important than ever. Whether you’re buying at auction or need to complete a deal within days, bridging loans can give you the speed and certainty to secure your next project.
Fast Bridging Finance – At A Glance
| Loan Amount | £25,500 to £500,000 |
| Loan Term | 3 to 18 months |
| Loan to Value (LTV) | Up to 65% Gross Loan |
| Stress Test | Gross Loan x 1.35 must not exceed 75% LTV |
| Purpose | Business use only |
| Upfront Fees | None |
| Legal Fees | Included (paid on completion) |
| Valuation Fees | None |
| Completion Time | 24 – 72 hours (from completed application) |
Property Types We Can Fund in Birmingham
We can arrange bridging loans on a wide range of property types across the city and surrounding West Midlands:
- Buy-to-Let properties
- HMOs (bricks and mortar valuations only)
- Vacant properties
- Commercial premises
- Development land (subject to reduced LTV)
- Main residences (second or third charge only)
These loans are secured on 1st, 2nd, or 3rd charges depending on the asset, and we’ll work with you to structure the deal in the most suitable way.
Security and LTV Options
| Charge Type | Max LTV |
| First Charge | Up to 55% |
| Second Charge | Up to 65% |
| Third Charge | Up to 60% |
We do not require consent from a first charge lender when arranging a second charge loan, making the process much smoother and quicker.
In certain cases, we can even lend behind an existing bridging loan or where a caution is registered—something many lenders won’t touch. These cases are assessed individually.
No Delays with Valuation
Unlike traditional finance where valuations can take weeks, we offer streamlined valuation options to keep your deal moving:
- No upfront valuation fees
- Lender-led valuations (desktop or internal)
- Borrower may suggest a valuer and pay directly
- Full RICS valuation only if required or disputed
The result? Faster completions, less hassle, and no surprises.
Borrower Criteria – Flexible & Accessible
We work with a wide variety of borrowers, including first-time investors, self-employed applicants, and company directors. The bridging lenders we work with will consider:
- Adverse credit (including CCJs, defaults, missed payments)
- Self-certified income (particularly useful for self-employed clients)
- Limited companies (UK only, personal guarantees required)
- Defaulted bridging loans (if you have a reasonable explanation)
- Exits via refinance or sale (a clear plan is required)
If your declared exit is refinance, your credit profile may be reviewed, but we can guide you through what to expect.
Refinance Options & More Complex Cases
We understand that not every deal is straightforward. We regularly help clients with:
- Refinancing a bridging loan (even if the original bridge has defaulted)
- Second charges behind a bridge
- Lending behind a caution
- Limited company borrowing with main residence as security
These more complex cases can be handled efficiently and discreetly, with the right lender relationships and presentation.
Why Use a Broker for Bridging Finance?
As a broker, my role is to save you time, reduce costs, and improve your chances of approval. Unlike going directly to a single lender, I have access to a wide panel of specialist funders and can package your application to make it stand out.
Working with me gives you:
- Access to the fastest lenders in the market
- Help structuring your deal professionally
- Faster decisions with fewer delays
- Advice on exit strategies and risk mitigation
- A smoother legal and valuation process
- One point of contact from start to finish
When time is critical, experience and relationships make all the difference.
Typical Client Use Cases in Birmingham
Some recent examples of how we’ve helped clients:
- Selly Oak HMO investor – secured funds in 48 hours to purchase at auction with no valuation delay
- Jewellery Quarter commercial conversion – used bridging finance to complete quickly and refinance later on a development loan
- Landowner in Erdington – refinanced existing short-term finance to buy out a partner while waiting on planning approval
Ready to Move Quickly on a Deal in Birmingham?
If you’re considering a purchase, refurbishment, or refinance in the Birmingham area and need funds fast, we can help. With completions in as little as 24 hours, no upfront fees, and no valuation costs, you can access the finance you need without the usual barriers.
Get in touch today for a no-obligation conversation and find out how we can structure a fast, flexible bridging loan that works for you.
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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