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Birmingham, West Midlands
Bridging Finance
in Birmingham
Expert bridging finance for property developers in Birmingham. We connect you with competitive funding from our panel of 100+ lenders.
Birmingham, West Midlands
Bridging Finance
in Birmingham.
Live market data
Birmingham
market snapshot.
HM Land Registry sold-price data for Birmingham over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £220,000
- Sales (12m)
- 10,274
- YoY change
- Flat
- Approved (recent)
- 143
- Pipeline units
- 1,083
- Pipeline GDV
- £208.9M
Planning pipeline
Planning activity
in Birmingham.
143 approved (last 12 months)
·181 pending
·1,083 units in pipeline·£208.9M estimated GDV·61% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 2025/06049/PA | Change of use from dwelling house (Use Class C3) to care home for a maximum of t… 37 Norfolk Road,Sutton Coldfield,Birmingham,B75 6SQ | 1 | £220,000 | Pending | |
| 2025/05973/PA | Change of use from vacant church to retail shop and alterations to the entrance … Saltley Methodist Church,140 Alum Rock Road,Birmingham,B8 1HU | - | - | Pending | |
| 2025/05933/PA | Reconfiguration of an existing ground floor 1-bedroom flat and internal area int… Flat 1 and 2,16-18 Marshall Street,Birmingham,B1 1LE | 2 | £284,926 | Pending | |
| 2025/05882/PA | Change of use from fitness centre (Class E) to open Class E use, external altera… Sports Direct Fitness,69 Alcester Road South,Brandwood,Birmingham,B14 7JG | - | - | Pending | |
| 2025/05883/PA | Change of use from retail shop (Use Class E ) and flat (Use Class C3) to 7-bed H… 735 Washwood Heath Road,Ward End,Birmingham,B8 2JY | - | - | Pending |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 2026/05058/PA | Change of use from industrial unit (Use Class B2) to provide indoor padal tennis… 14 Pentos Drive,Birmingham,B11 3TA | - | - | Pending | 23/09/2026 |
| 2026/04994/PA | Erection of 72 dwellinghouses (Use Class C3) together with associated access arr… Land at Western Business Park,Great Western Close,Winson Green,Birmingham,B18 4QF | - | - | Pending | 23/09/2026 |
| 2026/04721/PA | Change of use from existing dwellinghouse (Use Class C3) to Children's care … 14 Shireland Close,Birmingham,B20 1AN | - | - | Pending | 22/09/2026 |
| 2026/04649/PA | Demolition of existing dwelling and erection of a two and three storey dwelling … 28 Farquhar Road,Edgbaston,Birmingham,B15 3RB | 2 | £440,000 | Pending | 22/09/2026 |
| 2026/03325/PA | Listed Building Consent for redecoration of existing shopfront, rails and framew… 85-89 Ground Floor,Colmore Row,Birmingham,B3 2BB | - | - | Pending | 21/09/2026 |
Deal intelligence
Key schemes
in Birmingham.
Indicative appraisals of the largest residential schemes in the Birmingham planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £136.8M in combined GDV across 582 units, with indicative capital stacks for each.
Demolition & New Build Awaiting decision
Land at Newhall Street, Graham Street
£92.8M
Estimated GDV
Units
422
GDV / Unit
£220k
Build Cost (Range)
£33.9M–£42.8M
Residual Land Value
£16.3M
GDV estimated from the HM Land Registry blended median of £220,000. At benchmark build costs, the implied residual land value is £16,344,000 (£39k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £92.8M |
| Construction (28,696 sqm @ £1,330/sqm mid) | −£38.2M |
| Externals, fees & contingency | −£11.4M |
| Finance (65% LTGDV, 24m) & sales costs | −£10.7M |
| Developer profit target (17.5% on GDV) | −£16.2M |
| Implied residual land value | £16.3M |
Broker insight: A scheme of this scale would typically attract competitive senior development finance at 60-65% LTGDV with mezzanine stretching to 85% LTGDV. Phased drawdowns reduce interest costs. Consider development exit finance to manage sales at your pace.
Major Residential Development Awaiting decision
Former Tower Ballroom,Reservoir Road
£26.1M
Estimated GDV
Units
95
GDV / Unit
£275k
Build Cost (Range)
£12.3M–£15.5M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £220,000 plus a 25% new-build premium (measured locally). At benchmark build costs and a 17.5% profit target, viability is tight - land would need to be secured well below prevailing values for this scheme to appraise. Calculate GDV
| Gross Development Value | £26.1M |
| Construction (6,460 sqm @ £2,150/sqm mid) | −£13.9M |
| Externals, fees & contingency | −£4.1M |
| Finance (65% LTGDV, 24m) & sales costs | −£3.0M |
| Developer profit target (17.5% on GDV) | −£4.6M |
| Implied residual land value | Marginal |
Broker insight: A scheme of this scale would typically attract competitive senior development finance at 60-65% LTGDV with mezzanine stretching to 85% LTGDV. Phased drawdowns reduce interest costs. Consider development exit finance to manage sales at your pace.
Major Residential Development Awaiting decision
Horseshoe Inn,611 Alcester Road South
£17.9M
Estimated GDV
Units
65
GDV / Unit
£275k
Build Cost (Range)
£8.4M–£10.6M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £220,000 plus a 25% new-build premium (measured locally). At benchmark build costs and a 17.5% profit target, viability is tight - land would need to be secured well below prevailing values for this scheme to appraise. Calculate GDV
| Gross Development Value | £17.9M |
| Construction (4,420 sqm @ £2,150/sqm mid) | −£9.5M |
| Externals, fees & contingency | −£2.8M |
| Finance (65% LTGDV, 24m) & sales costs | −£2.1M |
| Developer profit target (17.5% on GDV) | −£3.1M |
| Implied residual land value | Marginal |
Broker insight: A scheme of this scale would typically attract competitive senior development finance at 60-65% LTGDV with mezzanine stretching to 85% LTGDV. Phased drawdowns reduce interest costs. Consider development exit finance to manage sales at your pace.
Appraisal assumptions
- GDV: HM Land Registry blended median of £220,000.
- Build cost: £1,180-£1,490/sqm (conversion, indicative range informed by BCIS regional tender-price data, 2025/26) × 68 sqm/unit (NDSS-derived).
- On-costs: externals 12.5%, professional fees 8%, contingency 7.5%, sales & legals 3.5000000000000004% of GDV. Excludes CIL/Section 106, which vary by charging schedule and scheme.
- Finance: senior facility at 65% LTGDV, 8.5% pa on an average 57.49999999999999% drawdown over 24 months, plus 2.5% arrangement and exit fees.
- Residual land value assumes the industry-standard 17.5% developer profit-on-GDV target. Indicative appraisal, not a valuation or lending offer.
Land Registry data
Recent property sales
in Birmingham.
10,274 residential transactions in the last twelve months. Median sold price £220,000. 359 new-build transactions with a +25% premium over existing stock.
Detached
£365,000
Semi-Detached
£250,000
Terraced
£209,000
Flat
£142,463
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 31 Jul 2026 | 60, ENFIELD CLOSEB23 5SE | Flat | £80,000 | Leasehold |
| 29 Jul 2026 | 149, NEWCOMBE ROADB21 8DB | Terraced | £175,000 | Freehold |
| 29 Jul 2026 | FLAT 21, CORNERSTONE COUNTRY CLUB, MARYLAND DRIVEB31 2AT | Flat | £225,000 | Leasehold |
| 28 Jul 2026 | 114, NORTHLEIGH ROADB8 2QL | Terraced | £180,000 | Freehold |
| 28 Jul 2026 | APARTMENT 2, 1120, YARDLEY WOOD ROADB14 4LD | Flat | £155,000 | Leasehold |
| 27 Jul 2026 | 566, BORDESLEY GREENB9 5PD | Terraced | £170,000 | Freehold |
| 24 Jul 2026 | 61, HIGHBURY ROADB14 7QW | Terraced | £290,000 | Freehold |
| 24 Jul 2026 | 26, FRYER ROADB31 3NG | Terraced | £255,000 | Freehold |
| 24 Jul 2026 | 26, HARCOURT ROADB23 5NU | Terraced | £220,000 | Freehold |
| 24 Jul 2026 | 54, GREENACRESB32 3BF | Terraced | £202,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · Birmingham City Council planning register, retrieved September 2026. Contains HM Land Registry data © Crown copyright and database right, licensed under the Open Government Licence v3.0.
Indicative terms
Bridging Finance rates
for Birmingham deals.
Typical pricing for bridging finance in Birmingham. Actual terms depend on GDV, leverage, location and your experience — the numbers below are where most structured deals land.
Interest Rate
From 6.5% p.a.
Loan to Value
Up to 70% LTGDV
Typical Term
12-24 months
Arrangement Fee
1-2% of facility
Indicative only, subject to individual assessment. Actual terms issued against a completed Deal Room submission.
Representative deal
Example bridging finance
structure.
Illustrative 9-Unit Scheme, Birmingham
An indicative appraisal for a nine-unit residential scheme priced at Birmingham's own HM Land Registry medians with the locally measured new-build premium applied. Build costs use the regional £/sqm benchmark; every figure updates with the underlying market data.
GDV
£2,813,000
Loan Amount
£1,828,000
LTV
65% LTGDV
Loan Type
Bridging Finance
Representative only. Actual terms vary based on scheme specifics and are issued after underwriting.
Common questions
Bridging Finance in Birmingham
— answered.
How active is the development pipeline in Birmingham?
The Birmingham City Council planning register currently shows 181 residential applications awaiting decision in Birmingham, together proposing 819 units — the largest single scheme proposes 422 units. An active pipeline signals both developer confidence in local demand and lender familiarity with the market, which typically translates into more competitive finance terms.
Market intelligence
Local market
reports.
5 min read
Birmingham Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £220,000, 10,274 sales, 0% YoY. West Midlands county.
6 min read
West Midlands Property Market: Prices, Trends & Development Finance, Q3 2026 Edition
8 towns analysed. Median price £220,000, 32,510 transactions, +2% YoY.
Recent deals
Property finance deals
in Birmingham, West Midlands.
Real schemes we have structured for developers in Birmingham, West Midlands. Sanitised for confidentiality, anchored in actual terms issued.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in Birmingham and a partner will come back with an initial structure and indicative terms within one working day. No forms-for-forms’-sake — a short note on the scheme is enough.
Where we fund
Birmingham,
West Midlands.
Adjacent products
Other services
in Birmingham.
Development Finance
From 6.5% p.a. · Up to 65-70% LTGDV
Mezzanine Finance
From 12% p.a. · Up to 85-90% LTGDV
Bridging Loans
From 0.55% p.m. · Up to 75% LTV
Equity & Joint Ventures
Profit share from 40% · Up to 100% of costs
Refurbishment Finance
From 0.65% p.m. · Up to 75% LTV
Commercial Mortgages
From 5.5% p.a. · Up to 75% LTV
Development Exit Finance
From 0.55% p.m. · Up to 75% LTV
Nearby markets