ccConstruction Capital

Independent London brokerage. 25+ years of property-finance experience, distilled into one principal.

+44 20 3816 3693matt.lenzie@construction-capital.co.uk

London, United Kingdom

Services

  • Development Finance
  • Mezzanine Finance
  • Bridging Loans
  • Equity & JV
  • Refurbishment
  • Commercial Mortgages
  • Development Exit

The firm

  • About Matt Lenzie
  • Case Studies
  • Lender Panel
  • Introducers
  • Contact
  • Start a deal

Resources

  • Market Reports
  • Guides
  • Calculators
  • Glossary
  • FAQ

Nationwide coverage

All locations

London & South East

  • London
  • Kent
  • Surrey
  • Sussex
  • Hampshire
  • Berkshire
  • Hertfordshire
  • Essex

South West

  • Bristol
  • Somerset
  • Devon
  • Cornwall
  • Dorset
  • Gloucestershire

Midlands

  • Birmingham
  • Warwickshire
  • Staffordshire
  • Nottingham
  • Leicester
  • Lincolnshire

North

  • Manchester
  • Leeds
  • Liverpool
  • Lancashire
  • Newcastle
  • York

Scotland & Wales

  • Edinburgh
  • Glasgow
  • Cardiff
  • Swansea

Construction Capital is an independent commercial finance brokerage arranging funding for UK property developers and investors. Property development finance, commercial bridging and other business-purpose lending are not regulated activities under FSMA 2000 and are not regulated by the Financial Conduct Authority.

Where a product is a regulated activity — for example, bridging secured on a borrower’s main residence — we arrange it through lenders who hold the relevant FCA permissions. We are not an FCA-authorised firm. Every offer is subject to the lender’s underwriting, valuation and legal due diligence.

Construction Capital is a trading name of Lenzie Consulting Ltd, a company registered in England & Wales under company number 08174104. Registered office: Lynch Farm, The Lynch, Kensworth, Dunstable, Bedfordshire LU6 3QZ.

© 2026 Construction Capital. All rights reserved.

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  1. Home/
  2. Locations/
  3. West Midlands/
  4. Birmingham/
  5. Bridging Finance

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.

Get bridging finance termsOr call +44 20 3816 3693
Birmingham city centre and canal quarter

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)
7,046
YoY change
-0.5%

Land Registry data

Recent property sales
in Birmingham.

7,046 residential transactions in the last twelve months. Median sold price £220,000 (-0.5% YoY). 178 new-build transactions with a +30.5% premium over existing stock.

Detached

£370,000

Semi-Detached

£248,000

Terraced

£210,000

Flat

£140,000

DateAddressTypePriceTenure
30 Jun 2026FLAT 11, WARWICK COURT, 35, WAKE GREEN ROADB13 9HFFlat£150,000Leasehold
26 Jun 2026FLAT 19, HAMILTON COURT, 165, NORTHFIELD ROADB30 1DUFlat£100,000Leasehold
26 Jun 202673, DOLPHIN LANEB27 7DETerraced£185,000Freehold
26 Jun 202612, TANGLEWOOD CLOSEB32 1RGTerraced£185,000Freehold
26 Jun 2026APARTMENT 135, LATITUDE, 155, BROMSGROVE STREETB5 6ABFlat£180,000Leasehold
25 Jun 2026335, COLE HALL LANEB33 9NSTerraced£225,000Freehold
25 Jun 2026137, GOLDTHORNE AVENUEB26 3LESemi-Detached£250,000Freehold
24 Jun 2026106, HARLECH CLOSEB32 4JSTerraced£195,000Freehold
24 Jun 202672, ADMINGTON ROADB33 0RTTerraced£209,500Freehold
24 Jun 202657, BROMFORD CRESCENTB24 9RLTerraced£190,000Freehold

Source: HM Land Registry price paid data, 12 months to August 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

£2,344,000

Loan Amount

£1,524,000

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.

Market intelligence

Local market
reports.

5 min read

Birmingham Property Market: House Prices, Sold Data & Development Finance, End of H1 2026

Median price £220,000, 7,146 sales, 0% YoY. West Midlands county.

5 min read

West Midlands Property Market: Prices, Trends & Development Finance, End of H1 2026

8 towns analysed. Median price £220,000, 22,703 transactions, +0.5% 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.

Heavy Refurbishment

Mixed-Use Conversion

Combined senior and mezzanine structure for a commercial-to-residential conversion in Birmingham city centre. 24 apartments over ground-floor retail.

GDV
£5.8M
Leverage
85% of Costs
View all case studies

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.

Enter the Deal RoomOr call +44 20 3816 3693

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

Adjacent towns
we also fund.

Wolverhampton

Coventry

Solihull

Dudley

Walsall

Sutton Coldfield

Get Terms020 3816 3693