Specialist mezzanine finance for the West Midlands' developers

Development gap funding across the West Midlands county

Across the 8 West Midlands towns we monitor, 1,701 residential units are moving through live planning applications, an estimated £547m of gross development value. Birmingham recorded 7,146 sales in the last 12 months, while Sutton Coldfield carries the county's strongest pricing at a median of £360,000.

That data is not decoration: it is how we underwrite. A mezzanine loan is a view on whether a scheme will sell at the price its appraisal claims, so we track every live application and recorded sale in the towns above before we price a West Midlands deal. The same numbers are published openly in our UK development pipeline tracker, where West Midlands currently ranks number 9 of 48 counties by pipeline value.

The West Midlands is a densely urbanised metropolitan county of seven boroughs and England's second-most populous county. Birmingham is the largest city and administrative centre, with Coventry and Wolverhampton the other main cities.

The product itself works the same in West Midlands as everywhere we lend: your senior lender keeps first charge and funds the majority of cost, our mezzanine finance takes a second charge over the next slice, and your equity requirement falls, typically from 35 percent of cost to 5 or 10. Terms run 6 to 36 months with pricing indicatively from 12 percent a year, and a complete enquiry gets a term sheet inside 48 hours. Model your own scheme with the leverage calculator.

the West Midlands' development pipeline, measured

Monitored towns only; data refreshed 5 July 2026 from HM Land Registry and local planning authority records.

Where we lend in the West Midlands conurbation

Solihull

1,640 units sit in Solihull's live planning applications, an estimated £537m of GDV. The median sold price over the last 12 months is £327,000 (up 1.6% year on year), across 2,287 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

West Bromwich

30 units sit in West Bromwich's live planning applications, an estimated £6.3m of GDV. The median sold price over the last 12 months is £210,000 (up 1.9% year on year), across 2,203 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Wolverhampton

31 units sit in Wolverhampton's live planning applications, an estimated £4.3m of GDV. The median sold price over the last 12 months is £210,000 (up 1% year on year), across 1,930 recorded sales. Schemes here are underwritten against that evidence, not against optimism.