01543 399933 | 07498 938988 michael@2ndcitygroup.co.uk

Bridging Loans Birmingham

For all bridging loans in Birmingham and West Midlands, 2nd City Commercial can help. Get in touch today for an initial consultation, without obligation.


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Bridging Loans Birmingham, West Midlands – 2nd City Commercial

Expert advice on all bridging loans in  Birmingham, Lichfield, Cannock, Wolverhampton and all surrounding areas! We focus entirely on our client’s best interests, so contact us for expert mortgage and loan advice…

We source and advise on a wide range of bridging, mortgage and specialist finance needs. Our years of experience and extensive access to professional contacts ensure that we are responsive and effective in securing the finance you need at competitive rates.

Bridging Loans are the  go-to solution for Property Developers and Investors looking to secure financing for their projects, this is because they are fast and flexible. Perfect for property developers and investors in need of quick capital to seize lucrative opportunities.

We offer access to bridging loan, mortgage and development finance products across the whole of the market and are skilled at explaining and helping you through each lender’s process and stages as quickly as possible.

About Me

Michael is a seasoned broker with over 15 years of experience in property & finance. He has established himself as a reputable and much called upon professional. Specializing in bridging loans and commercial finance, he has helped countless clients achieve their financial goals and secure the funding they need.

With a client base of over 2000 satisfied customers, his track record speaks for itself. In 2021, he took the bold step of setting up 2nd City Group to further expand the company’s services and reach even more individuals and businesses seeking expert financial guidance. His passion for helping others navigate through complex financing options drives him to continuously strive for excellence in all that he does.

Bridging Loans Birmingham

Why use a bridging loan?


Property Refurbishments / Property Conversions


Fast Property Purchase


Property Auctions


Raising Capital Quickly


Below Market Value Purchase


Irregular Financial Deadlines

Bridging Loans Birmingham, West Midlands – At 2nd City Commercial we can help with bridging finance for domestic and commercial purposes.

Bridging loans typically have a 12-month repayment period and do not incur early repayment penalties, unless stated by the lender. If the loan is repaid within the first three months of being drawn, the borrower will be responsible for paying three months’ worth of interest. After this initial period, any subsequent repayments will be based on the length of time the loan has been active.

Lenders typically include interest payments in the loan, also known as “rolling up” the interest. This means that each month, the interest is added to the loan and repaid in full along with the principal amount. While this allows for no additional expenses during the loan term, it is important to note that rolled up interest is factored into the lender’s maximum loan-to-value ratio, which is usually 70-75% of the property’s value.

When considering an application, bridging lenders primarily evaluate the value of the securities and the repayment plan. As long as a viable exit strategy is in place, such as using proceeds from a property sale or obtaining a standard mortgage to cover any remaining balance, the lender is likely to approve the application.

Bridging Loans Birmingham

Bridging Loan Enquiry Form

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Helping you make the most of bridging finance!

Contact us now for a free and impartial discussion about raising the finance you need.