Birmingham, West Midlands

Commercial Mortgages in Birmingham

The UK's second-largest city is experiencing major regeneration with HS2 arrival driving commercial property development. The diverse economy supports strong demand across retail, office, and industrial mortgage markets.

City CentreJewellery QuarterDigbethBrindleyplaceEastside
£265
Avg Price/sq ft
5.9%
Average Yield
+24.5%
5yr Price Growth
+16.8%
5yr Rental Growth

Birmingham Commercial Property Market

HS2 creating unprecedented development opportunity. Prime office rents now £38/sq ft and rising. Digbeth emerging as creative hub. Industrial critically undersupplied.

— CMB Market Analysis

Key Industries

  • Financial Services
  • Professional Services
  • Technology
  • Advanced Manufacturing
  • Life Sciences

Transport Links

  • HS2 (2026)
  • Birmingham Airport
  • M6/M5/M42 motorways
  • New Street station

Lender Outlook

Excellent appetite from all lender types. HS2 proximity assets particularly favoured.

Regeneration

Smithfield, Curzon Street HS2 Quarter, Paradise, Eastside, Digbeth creative quarter

Property Finance Services in Birmingham

We offer a complete range of property finance solutions for investors and developers in Birmingham and across West Midlands.

Development Finance

Specialist funding for ground-up construction and major refurbishment projects, providing flexible financing solutions for property developers.

From £150,000Up to 75% LTV
Development Finance in Birmingham

Commercial Bridging

Fast, flexible short-term finance for commercial property transactions with decisions in as little as 48 hours and completion within days.

From £50,000Up to 75% LTV
Commercial Bridging in Birmingham

HMO Finance

Specialist mortgages for Houses in Multiple Occupation, designed for landlords maximizing rental yields through multi-tenant properties.

From £50,000Up to 85% LTV
HMO Finance in Birmingham

Mezzanine Finance

Second charge lending that sits behind your primary mortgage, unlocking additional equity for property investment and development projects.

From £25,000Up to 90% LTV
Mezzanine Finance in Birmingham

Buy-to-Let

Residential investment property mortgages for individual landlords and portfolio investors, with products tailored to your investment strategy.

From £25,000Up to 80% LTV
Buy-to-Let in Birmingham

Commercial Mortgages

Long-term financing for commercial property purchases and refinancing, supporting business premises and investment property acquisitions.

From £50,000Up to 70% LTV
Commercial Mortgages in Birmingham

Bridging Finance

Fast, flexible short-term secured loans for property purchases, auction acquisitions, and chain breaks with funds available in days.

From £25,000Up to 80% LTV
Bridging Finance in Birmingham

Stretched Senior

Enhanced senior debt facilities offering higher leverage than standard development finance, reducing equity requirements for experienced developers.

From £500,000Up to 75% LTV
Stretched Senior in Birmingham

JV Equity

Joint venture equity partnerships providing development capital in exchange for profit share, ideal for developers seeking to scale without traditional debt.

From £1,000,000Up to 90% LTV
JV Equity in Birmingham

Development Exit Finance

Refinancing solutions for completed developments, replacing construction finance while units are sold or let, with lower rates than development loans.

From £250,000Up to 75% LTV
Development Exit Finance in Birmingham

Why Choose CMB for Property Finance in Birmingham?

Local Market Knowledge

We understand the Birmingham property market and local lender appetite

Fast Turnaround

Decisions in as little as 48 hours, completion in days when needed

Competitive Rates

Access to exclusive rates from our panel of specialist lenders

Full Support

Expert guidance from application through to completion

Also Serving Across West Midlands

We provide property finance solutions throughout West Midlands.

Commercial Finance Across the UK

We provide property finance solutions in major cities throughout England.

Calculate Your Birmingham Property Finance

Use our interactive calculators to get instant estimates for your property finance needs.