Birmingham, West Midlands

Commercial Mortgages & Property Finance in Birmingham

Birmingham is the UK's second largest city and a major centre for property investment. The city offers exceptional property finance opportunities across all sectors, from prime office and retail to extensive industrial and residential development.

City CentreDigbethJewellery QuarterEdgbastonEastsideBrindleyplace
£265
Avg Price/sq ft
6.5%
Average Yield
+25.5%
5yr Price Growth
+18.8%
5yr Rental Growth

Birmingham Local Market Intelligence

HS2 driving unprecedented investment. Office rents at record levels. Build-to-Rent market established. Industrial and logistics demand exceeds supply across the region.

— CMB Market Analysis

Key Industries

  • Financial Services
  • Technology
  • Manufacturing
  • Professional Services
  • Healthcare
  • Higher Education

Transport Links

  • HS2 terminal under construction
  • Birmingham New Street mainline
  • Birmingham Airport
  • M6 motorway

Regeneration

HS2 Curzon Street quarter; Smithfield; Eastside; Paradise development; Digbeth creative quarter

Commercial Mortgages in Birmingham

Whether you're acquiring office space, retail units, or industrial property in Birmingham, our commercial mortgage solutions provide long-term financing tailored to your investment strategy. We work with high street banks and specialist lenders to secure competitive rates across West Midlands, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the Birmingham commercial property market and has direct relationships with lender credit committees, meaning faster decisions and better terms for your deal.

  • Owner-occupied and investment commercial mortgages
  • Terms from 3 to 25 years with competitive fixed and variable rates
  • Up to 75% LTV on commercial property
  • Portfolio and multi-asset lending available

Commercial Mortgage Key Facts

Loan Size£50k - £25m+
Max LTV75%
Term3 - 25 years
Decision48 hours

Commercial Bridging Finance in Birmingham

When speed matters for your Birmingham property transaction, commercial bridging finance provides short-term funding to bridge the gap. Whether you're securing a time-sensitive acquisition, funding an auction purchase, or refinancing before a long-term facility is in place, we can arrange bridging loans from completion in as little as 7 days.

With access to specialist bridging lenders across West Midlands, we structure deals that match your exit strategy and keep costs to a minimum.

  • Completion possible in 7-14 days for urgent transactions
  • Rates from 0.55% per month with no exit fees available
  • Up to 75% LTV on commercial and semi-commercial property
  • Auction finance, chain-break funding, and refurbishment bridges

Bridging Finance Key Facts

Loan Size£25k - £25m+
Max LTV75%
Term1 - 24 months
Speed7-14 days

Development Finance in Birmingham

For developers building in Birmingham, our development finance solutions fund ground-up construction, conversions, and major refurbishment projects. We arrange staged drawdown facilities aligned to your build programme, ensuring capital is available at each construction milestone.

From site acquisition to practical completion, we structure development loans that maximise your returns across West Midlands. Our team assesses GDV, build costs, and local market conditions to present the strongest case to lenders.

  • Staged drawdowns aligned to construction milestones
  • Up to 90% of build costs and 70% of land value
  • Ground-up, conversion, and heavy refurbishment projects
  • Day-one land funding available for experienced developers

Development Finance Key Facts

Loan Size£150k - £50m+
Build CostUp to 90%
Term6 - 24 months
Land ValueUp to 70%

Your Local Expert

Matt Lenzie

Founder & Principal Broker

  • Ex-Lloyds Bank and Bank of Scotland
  • Board advisor to pension trustee with £3.9bn AUA
  • Direct lender relationships across West Midlands

Why Birmingham for Commercial Property Investment

Investment Highlights

  • UK's second city
  • HS2 transformation
  • Strong regional economy
  • Major regeneration pipeline

Development Opportunities

Exceptional opportunities in HS2 quarter, Eastside, and Digbeth creative district.

Lender Appetite

Very strong appetite from all lender types. HS2 proximity premium recognised. Development finance readily available.

Property Types We Finance

Grade A OfficeIndustrialBuild-to-RentRetailMixed-Use DevelopmentStudent Accommodation

Our team has deep experience in West Midlands property finance, from Birmingham city centre to regional towns.

Latest Commercial Property News in Birmingham

Commercial property news for Birmingham will appear here once available. Check back soon for the latest market updates.

Calculate Your Birmingham Property Finance

Use our interactive calculators to estimate costs for commercial mortgages, bridging finance, and development loans.