Development finance for Birmingham property developers.
Senior debt, stretch senior, mezzanine, JV equity and exit finance — sourced from 100+ specialist lenders and structured around your Birmingham scheme. Indicative terms in 48 hours.
Capital arranged
Deals completed
Lender panel
Years in market
The market, in numbers.
HM Land Registry · Birmingham LPA · last 12 months
100+
Lenders
Active on panel
48hr
Indicative terms
From complete enquiry
£300M+
Arranged
Across the network
90%
Max LTC
Stretch senior
The UK’s largest regional development market — and its biggest current regeneration.
Birmingham is the UK’s largest regional development market outside London and, right now, its most active. The Birmingham Plan 2042 targets 74,000 new homes over the plan period, with delivery concentrated in the Big City Plan core: Smithfield (£1.5bn regeneration), Eastside around HS2 Curzon Street (the only HS2 station now under construction), Westside / Paradise / Brindleyplace, and Perry Barr Commonwealth Games legacy site.
The comparable pipeline is deep. Institutional Build-to-Rent investors are actively forward-funding city-centre towers. Three universities — University of Birmingham, Aston, and BCU — anchor an enormous PBSA market, concentrated in Selly Oak and the Bristol Road corridor. The Jewellery Quarter and Digbeth have emerged as distinct creative-led residential sub-markets, each with its own planning character. And HS2’s arrival at Curzon Street is already pulling commercial and residential delivery into the eastern core.
I arrange development finance across every corner of Birmingham and every mainstream asset class — residential, commercial, industrial, mixed-use, PBSA, BTR, hotel, care home, retail, and office — from city-centre towers to Selly Oak PBSA and Sutton Coldfield commuter housing. Facility sizes from £500K to £20M+. One specialist broker, the full lending stack — senior, stretch senior, mezzanine, JV equity, exit — and indicative terms in 48 hours.
Every product, the real numbers.
Indicative ranges pulled from live lender positions — market conditions and borrower profile shift these every month.
| Product | Facility | LTC | LTGDV | Rate (pa) | Term |
|---|---|---|---|---|---|
Senior Development Standard product. New build, conversion, refurb. Day-one land + staged build drawdown. | £500K – £30M | up to 70% | up to 65% | 7.0 – 9.0% | 12 – 24m |
Stretch Senior Capital-efficient. For experienced developers with proven track record. | £750K – £25M | up to 85% | up to 70% | 7.5 – 10.0% | 12 – 24m |
Mezzanine Second-charge behind senior. Bridges the equity gap on larger schemes. | £250K – £10M | up to 90% | up to 75% | 10 – 15% | 12 – 24m |
JV Equity Equity partner into the SPV. For proven operators scaling deal flow. | £500K – £20M | up to 100% | negotiated | Profit share | Project life |
Development Exit Refinance senior on practical completion. Release equity while you sell. | £500K – £25M | — | up to 75% | 6.5 – 8.5% | 6 – 18m |
Conversion / Refurb Light refurb, heavy refurb, commercial-to-residential, PDR conversion. | £250K – £10M | up to 75% | up to 70% | 7.5 – 10.5% | 6 – 18m |
Senior Development
Standard product. New build, conversion, refurb. Day-one land + staged build drawdown.
Facility
£500K – £30M
LTC
up to 70%
LTGDV
up to 65%
Rate
7.0 – 9.0%
Stretch Senior
Capital-efficient. For experienced developers with proven track record.
Facility
£750K – £25M
LTC
up to 85%
LTGDV
up to 70%
Rate
7.5 – 10.0%
Mezzanine
Second-charge behind senior. Bridges the equity gap on larger schemes.
Facility
£250K – £10M
LTC
up to 90%
LTGDV
up to 75%
Rate
10 – 15%
JV Equity
Equity partner into the SPV. For proven operators scaling deal flow.
Facility
£500K – £20M
LTC
up to 100%
LTGDV
negotiated
Rate
Profit share
Development Exit
Refinance senior on practical completion. Release equity while you sell.
Facility
£500K – £25M
LTC
—
LTGDV
up to 75%
Rate
6.5 – 8.5%
Conversion / Refurb
Light refurb, heavy refurb, commercial-to-residential, PDR conversion.
Facility
£250K – £10M
LTC
up to 75%
LTGDV
up to 70%
Rate
7.5 – 10.5%
Sanity-check your scheme in a minute.
Drop in your GDV, build costs and term. The calculator is pre-set at market-typical senior ratios (70% LTC / 65% LTGDV) so the output reflects what Birmingham lenders are quoting this month, not last cycle.
For a tailored quote with live lender positions, call me on 020 1234 5678.
Scheme inputs
Drag the sliders.
Based on Manchester market averages
Your estimate
Indicative Loan Amount
£1,190,000
Lower of 70% LTC and 65% LTGDV — capped by LTC.
- Loan to Value
- 47.6%
- Loan to Cost
- 70.0%
- Profit on Cost
- 47.1%
- Indicative Rate
- 7.5% – 9.5% pa
- Est. Monthly Interest
- £8,429
- Est. Total Interest (18m)
- £151,725
Indicative only. Actual terms depend on scheme specifics, borrower profile, and live lender appetite.
100+ lenders, one broker.
We hold live relationships with every mainstream and specialist lender active in the Birmingham market — from challenger banks to specialist development funds. One enquiry, one integrated negotiation across the whole panel.
Below: a selection of lenders we have placed Birmingham development deals with in the last 18 months.
Shawbrook
Challenger bank
Paragon
Challenger bank
United Trust Bank
Specialist bank
OakNorth
Challenger bank
Aldermore
Specialist bank
Together
Specialist lender
Assetz Capital
Specialist lender
Octane Capital
Specialist lender
LendInvest
Specialist lender
Maslow Capital
Specialist lender
Atelier Finance
Specialist lender
Puma Property Finance
Specialist lender
Close Brothers
Specialist bank
Hope Capital
Specialist lender
MT Finance
Specialist lender
Avamore Capital
Specialist lender
Glenhawk
Specialist lender
Investec
Private bank
Real schemes, real facilities.
City Centre BTR Tower
94-unit BTR · 24m programme
£16.4M · 68% LTC
Selly Oak PBSA
160-bed purpose-built student · 16m
£11.2M · 70% LTC
Jewellery Quarter Listed Conversion
22-unit Grade II conversion · 12m
£4.6M · 72% LTC
The human behind the panel.
Hi — I'm Matt. I've spent two decades in property lending, most of it arranging development facilities for Birmingham developers. What I do now is simple: I bring schemes I believe in to lenders I already know, and I don't waste anyone's time if the numbers don't work. If you want a straight answer on your scheme, send it through — you'll hear back within 48 hours, and it won't be a form response.
Matt/Founder · 20+ years in development finance
Experience
20+ years
In property lending, including senior HBOS corporate banking.
Arranged
£300M+
In development facilities across the UK.
Lender panel
100+ lenders
Live relationships with every mainstream and specialist development lender active in the UK market.
Network
Construction Capital
Part of the UK's largest independent development finance brokerage.
We needed stretch senior for a Digbeth BTR scheme. Matt’s team placed us at 8.2% with 82% LTC — better than anything our incumbent broker had quoted.
James T.
Director, West Midlands Developments Ltd
A 160-bed PBSA scheme in Selly Oak. Operator pre-let in place, funded 21 working days from enquiry to drawdown. Senior 70% LTC, tight pricing.
Sarah K.
MD, Midlands Student Property Group
First-time developer on a 10-unit Harborne scheme. The team walked me through the full process and funded within 4 weeks. Couldn’t recommend them more highly.
David R.
Property Developer, Harborne
Development finance FAQs.
Send me your scheme.
Real numbers in 48 hours.
I’ll shortlist three to five lenders, run your deal against their live positions, and come back with structured indicative terms. If the numbers don’t work, I’ll tell you straight — I don’t waste your time or mine.