An experienced commercial mortgage broker for Birmingham and the West Midlands

Specialist, not generalist

Commercial Mortgages Birmingham was founded by Matt Lenzie, who has 25 years in financial services, raising debt and equity, and has arranged around £400m of property finance. We work on the borrower side of the table. We package every Birmingham commercial mortgage application the way a credit officer wants to read it: fewer decline surprises, faster decisions, sharper terms. We know what lenders typically need to see, what commonly 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.

Our founder has arranged around £400m of property finance. 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 illustrative examples for how typical deals are structured.

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 how lenders assess risk, not from a regulated obligation. The standards a lender expects do not change because the product sits outside FCA scope. Where an enquiry is regulated, we refer it to an appropriately authorised firm.

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. Active lenders include high-street banks such as Lloyds, NatWest, Barclays and Santander, challengers such as Shawbrook, Allica Bank, Cambridge & Counties, Aldermore and Hampshire Trust Bank, and specialists such as InterBay Commercial, LendInvest, Cynergy Bank and Together. Naming a lender describes the market; it does not mean we have a relationship with it. 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 look for the lender whose criteria fit your deal best, and we will tell you which that is likely to be on the first call.

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