An experienced commercial mortgage broker for Birmingham and the West Midlands

Specialist, not generalist

Our team has been working in property and commercial banking since 2005, and we have stayed in the same lane ever since. Two decades of UK commercial finance, including senior corporate banking roles, sit behind every introduction we make. Most of that career was spent on the lender side, writing credit papers, sitting in committees, declining loans and approving them. That experience shapes how we structure and present every Birmingham commercial mortgage application now we work on the broker side. We know what credit committees need to see, what triggers a decline, and where there is genuine flexibility versus where there is not.

We broker commercial mortgages and only commercial mortgages. Owner-occupier, commercial investment, semi-commercial (the unregulated cases), portfolio refinance, trading-business, commercial remortgage, commercial bridging and second-charge commercial. We do not place residential mortgages, residential buy-to-let, regulated bridging, car finance, asset finance or unsecured business loans. Those are different markets with different lenders and different broker specialisms. We would rather be excellent at one product family than mediocre across six. If you call us about a residential remortgage, regulated semi-commercial, or anything else that would require FCA authorisation, we will refer you to a regulated firm that handles it properly.

Across the past decade we have arranged in excess of £250M of commercial mortgages. Facility sizes from £150K to £10M+, terms 5 to 25 years, and every mainstream sector: retail, office, industrial and warehouse, leisure and hospitality, healthcare and care homes, pubs and restaurants, MOT and forecourt, day nursery, semi-commercial shop+flats (unregulated), mixed-use blocks, HMO portfolios and FHL portfolios. The work covers Birmingham and the wider West Midlands footprint. Solihull, Sutton Coldfield, Wolverhampton, Walsall, Dudley, Coventry, Sandwell and the Black Country all sit comfortably inside the same lender pool. See our case studies for representative recent placements.

Commercial mortgages are unregulated lending. They fall outside the Financial Conduct Authority's regulated mortgage perimeter, which means they are not protected by FCA conduct rules and we do not hold FCA authorisation. That position is not unusual. Most commercial mortgage brokers operate the same way, because the products themselves are unregulated. What it does mean: the underwriting discipline we apply to every deal comes from years on the credit side of the table, not from a regulated obligation. The standards a credit committee expects do not change because the product sits outside FCA scope.

Why a specialist Birmingham broker

The Birmingham commercial mortgage market has genuine regional nuance: Birmingham City Council planning policy, Article 4 directions across the Jewellery Quarter and Digbeth, the Paradise Birmingham and Smithfield masterplans, the Curzon HS2 fringe, and an unusually deep cluster of regional lender desks anchored around Colmore Row. The eight lenders we name and show logos for are Shawbrook, InterBay Commercial, LendInvest, Cynergy Bank, Lloyds, NatWest, Barclays and Santander, each with confirmed permission to display marks. Behind those sit another eighty lender relationships including HTB (Midlands office), Allica Bank, Cambridge & Counties, Aldermore, Together, Paragon, OakNorth, Hampshire Trust Bank, Reliance Bank and the long tail of specialist commercial mortgage desks. For the working market view we publish each quarter, see our editorial read on the Birmingham commercial property market in 2026. National brokers tend to default to whichever desk paid the broker conference fee that quarter. We default to whichever desk will fund your deal cleanest, and we will tell you which one that is on the first call.

For a working read on the wider Birmingham commercial property landscape, see our 2026 Birmingham commercial property market piece.