Can you get a bridging loan in Birmingham?
Yes. Berkeley Credit lends across England and Wales, including Birmingham, funding investment and commercial property with a decision in principle the same day. Loans from £50,000 to £25,000,000, from 0.79% per month, asset-led, for business and investment purposes.
The UK’s second city, mid-transformation
Birmingham is being substantially rebuilt around the Big City Plan, the Smithfield scheme in Digbeth, the Curzon Investment Plan and the HS2 terminus at Curzon Street, which brings central London within roughly fifty minutes by rail. That regeneration is drawing developers and investors into the Eastside, Digbeth, the Jewellery Quarter and the Colmore financial district, and a large student and professional population keeps city-centre rental demand firm.
A conversion and refurbishment market
Much of Birmingham’s city-centre supply is coming from conversion — older offices and the upper floors of former retail buildings becoming homes — and from character conversions in the Jewellery Quarter. That makes refurbishment and commercial bridging particularly relevant here, alongside straight investment acquisition.
Where bridging fits
- Acquiring city-centre and regeneration-area investment stock (Digbeth, Eastside, Jewellery Quarter, Colmore)
- Commercial-to-residential conversions and refurbishment
- Auction purchases on the 28-day clock
- Raising capital against Birmingham investment property
How we lend
Asset-led, on a proper valuation and a verified exit: up to 70% LTV on residential investment, 65% on commercial and mixed-use, over 3 to 24 months, first or second charge, with a same-day decision. Company, partnership and offshore ownership are routine. We lend on investment and business property you don’t occupy, not on your own home. → Commercial · Refurbishment · Auction finance
Frequently asked questions
Do you lend in Birmingham city centre?
Yes. We fund investment and commercial property across the city centre and the regeneration areas — Digbeth, Eastside, the Jewellery Quarter and Colmore — from £50,000 to £25,000,000.
Do you fund office- or retail-to-residential conversions in Birmingham?
Yes. Conversions and refurbishment are central to Birmingham’s city-centre market and a core use for us, funded on the asset with an exit by refinance or sale.
Can you complete quickly on a Birmingham auction lot?
Yes. We give a same-day decision and work to the 28-day auction deadline, with an honest timeline for the lot.
Funding a Birmingham deal? Talk to us
Tell us about the property and the plan, and get an honest, same-day decision. £50,000 to £25,000,000 across England and Wales.
Call 07887 179096 · Email info@berkeleycredit.co.uk
Berkeley Credit Limited is registered in England & Wales (Company No. 16111009) and with the FCA under the Money Laundering Regulations (No. 1029007); not fully FCA authorised; no regulated advice. All lending is for business and investment purposes only, on property the borrower does not occupy, and subject to valuation, legals and underwriting.