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We will send you an invoice for the cost of major work. Invoices must be paid within 28 days of the date of the invoice.

You may be able to apply to spread the cost with an extended payment scheme if you either:

• cannot afford to pay the invoice in full
• cannot get a loan from your bank or building society

You cannot apply for extended payment if you sub-let your property, own multiple properties, or do not live at the property.

Leaseholder extended payment options

Under the terms of your lease, you must pay your major works invoice within 28 days. If you cannot pay in full and need a payment arrangement, email homeownership@birmingham.gov.uk as soon as possible.

The Leaseholders Payment Policy provides more detailed information.

Summary

• Leaseholders with a major works invoice up to £5,000 are allowed to spread the cost over 36 months (3 years) interest free.
• Leaseholders with a major works invoice between £5,000 and £15,000 are allowed to spread the cost over 60 months (5 years) interest free.
• Leaseholders with a major works invoice between £15,000 and £25,000 can spread the payments over 120 months (10 years) with an interest free period up to 60 months (5 years), and interest to be applied on the balance between 61 and 120 months. A legal charge will be secured against the property. This is subject to an affordability assessment.
• Leaseholders with a major works invoice of £25,000 or more have the option for a voluntary legal charge. This is subject to an affordability assessment.

Page last updated: 31 July 2025