CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Birmingham and West Midlands. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Birmingham commercial property delivers 6.5% average yield with 25.5% five-year price growth.
Birmingham ranks among the UK's strongest commercial property markets on both income and capital growth, a profile lenders treat favourably for SPV-led acquisitions.
CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial lenders.
Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out
Direct relationships with lender decision-makers for faster approvals and better terms
Proven success arranging complex commercial property finance across the UK
The factors lenders weigh when assessing Birmingham commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“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
HS2 Curzon Street quarter; Smithfield; Eastside; Paradise development; Digbeth creative quarter
Birmingham is the deepest commercial property market outside London, with HM Land Registry recording 5,723 commercial-leaning transactions across the rolling five-year window to Q1 2026, split between 1,048 commercial fr…
The West Midlands regional briefing covering Birmingham and the wider region. A Q2 2026 commercial property briefing on the West Midlands, the deepest regional commercial market in England, with HM Land Registry recording over thirteen thousand commercial-leaning transactions across Birmingham, Coventry, Wolverhampton and the wider Black Country in the rolling five years to the first quarter. We walk through HS2 Curzon Street, the M6 and M42 logistics corridor, recent Acuitus auction prints between roughly eight and a half and twelve and a quarter percent, and where lender appetite sits today.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
Submarket-level prime rent benchmarks across Birmingham's main commercial districts, the figures that shape valuations, lender comparables and target acquisition prices.
Professional Services CBD
Mixed Use Commercial
Grade A Office
Creative Quarter
Industrial/Manufacturing
3 confidently-classified commercial sales in Birmingham across the last 60 months, sourced from HM Land Registry Price Paid Data. Filter by sector to see the recent comparables lenders use to benchmark valuations.
Kingston Industrial Estate, 86, Unit 5, Glover Street, Birmingham
Harborne Central, Retail Unit, High Street, Harborne, Birmingham
87 - 87a, High Street, Harborne, Birmingham
105, Nigel Avenue, Birmingham
9, Honeysuckle Close, Quinton, Birmingham
112, Reservoir Road, Selly Oak, Birmingham
1, Penrith Croft, Birmingham
19, Bean Croft, Birmingham
169, Oscott School Lane, Birmingham
110, Heeley Road, Selly Oak, Birmingham
1, Bosbury Terrace, Birmingham
268, Cranes Park Road, Birmingham
65, Winnie Road, Selly Oak, Birmingham
17, Pound Road, Birmingham
1, Petersfield Road, Birmingham
Rea Court, 161, Apartment 22, Cheapside, Deritend, Birmingham
Gracewell Court, 1520, Apartment 24, Stratford Road, Hall Green, Birmingham
182, The Roundabout, Birmingham
209, Grange Road, Kings Heath, Birmingham
83, Hartledon Road, Birmingham
20, Edwards Road, Birmingham
50, Flat 8, Mariner Avenue, Birmingham
56, Hazelmere Road, Birmingham
Broadway Plaza, 220, 12 The Green Apartments, Ladywood Middleway, Birmingham
86, College Road, Perry Barr, Birmingham
76, Bromyard Road, Sparkhill, Birmingham
34, Stirling Road, Birmingham
26, Osbourne Close, Aston, Birmingham
Unit 1, Birkdale Avenue, Birmingham
35, Alexandra Road, Handsworth, Birmingham
Source: HM Land Registry Price Paid Data (Category B records). Sector classification is address-based and best-effort , smaller sectors may include mixed-use or conversion deals.
80,000+ students across 3 institutions drive sustained occupier demand for purpose-built student accommodation and licensed HMOs in Birmingham.
3 institutions · 80,000 students
Birmingham operates mandatory and additional HMO licensing
Article 4 in key student areas. Perry Barr growing with BCU campus and Commonwealth Games legacy.
Three core debt structures cover the majority of Birmingham commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.
Lender appetite, yield bands and debt structures vary materially by property type. Pick the briefing that matches your Birmingham acquisition.
Office investment finance for headquarters buildings, business parks, multi-let suites and office-led mixed-use schemes.
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Industrial and logistics finance for big-box distribution, multi-let estates, last-mile urban logistics and trade counter parks.
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Retail property finance for high street parades, retail warehousing, shopping centres and convenience-led mixed-use.
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Finance for buildings combining commercial ground floors with residential upper floors, the dominant deal format in UK secondary markets and the engine of corporate-acquired property activity.
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Hotel property finance for trading boutique hotels, branded operator-let assets and aparthotel acquisitions.
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Founder & Principal Broker
With a career spanning Lloyds Bank, Bank of Scotland, and a partnership in a corporate finance business, Matt brings institutional-grade expertise to every deal in Birmingham. Currently a board advisor to a pension administrator and trustee with £3.9bn of assets under advisory, Matt has raised over £300m of capital for property professionals across the UK.
View Full ProfileWhat makes Birmingham fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Exceptional opportunities in HS2 quarter, Eastside, and Digbeth creative district.
Very strong appetite from all lender types. HS2 proximity premium recognised. Development finance readily available.
Broker Notes
HS2 transformational for lending appetite. Curzon Street area premium emerging. Industrial undersupplied with strong demand. Student HMO well-established with licensing in place.
Our team has deep experience in West Midlands property finance, from Birmingham city centre to regional towns.
Commercial property news for Birmingham will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout West Midlands.
Commercial mortgage services available across Birmingham and surrounding areas. View larger map
Data-grounded answers about commercial property finance in Birmingham, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 5,723 commercial property transactions in Birmingham during the most recent reporting window. The median commercial sale price is £200,000, with the middle 50% of deals between £150,000 and £275,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Birmingham is £200,000. Smaller end deals (lower quartile) sit around £150,000, while larger transactions (upper quartile) reach £275,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Birmingham.
The most active commercial sectors in Birmingham (by recorded transaction count) are: retail (2 transactions), industrial (1 transaction). Sector mix matters because lender appetite, LTV ceilings and rate pricing all vary by use class, speak to our team for an indicative quote on the sector you are targeting.
Yes. We arrange commercial mortgages, commercial bridging finance and development finance for property in Birmingham. Typical loan sizes range from £150,000 to £25m+, with LTVs up to 75% on standard commercial assets and up to 70% LTGDV on development. Whole-of-market access, including the high-street banks, challenger lenders and specialist commercial funders.
Call 07595 366094 or use the contact form to request a commercial mortgage quote in Birmingham. We will review the asset, sector, deal structure and lender appetite specific to Birmingham and come back with an indicative rate, LTV and term within 24–48 hours.