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Client: Buy-to-let Landlord
Location: Moseley, Birmingham
Loan Amount: £800,000
Term: 9 months
Loan Purpose: HMO conversion
LTV: 75%
Exit Strategy: HMO mortgage
The Challenge
An experienced landlord was converting a Birmingham Victorian property into a licensable 8-bed HMO, using bridging loans in Birmingham to cover funding gaps caused by rising build costs.
Our Solution
We provided an £800,000 bridge with staged drawdowns and capitalised interest. The lender allowed use of planning gain in their valuation, increasing borrowing potential.
The Result
The project was completed without delay. A new HMO mortgage was secured based on higher yield and valuation, fully clearing the bridge.
HMO investors benefit from fast, tailored funding like this.
