BIG Property Finance

About BIG Property Finance

BiG Property Finance is a privately owned specialist lender based at Edgbaston Golf Club, Birmingham. Funded by high-net-worth individuals who also own the business, the team has over 60 years of combined experience in property finance — and because the owners have themselves been through the process of buying, refurbishing, developing and selling property, they understand borrower needs from the inside out.

In 2024, BiG was named Lender of the Year at the Midlands Property and Investment Awards. They are also part of Birmingham Bank, which provides the business with a banking licence and adds an additional layer of structural credibility uncommon in the private bridging market.

The team is known for quick turnarounds — indicative terms within hours, potential offers in days — and for not charging penalty fees when borrowers go over the bridge term, an unusually borrower-friendly policy. Fixed interest rates only, with no variable rate uncertainty.

Bridging Loans from BiG Property Finance

BiG lends from £50,000 to £5 million, with terms of 1 to 18 months and LTVs up to 75% on both residential and commercial investment properties. Interest rates start from 0.95% per month. All lending is unregulated, and the team is happy to consider second charge applications alongside first charge. Lending covers England and Wales only — Scotland is not currently included.

What Can BiG Property Finance Fund?

• Residential investment property purchases and refinancing
• Commercial and semi-commercial property acquisition
• Property refurbishment and improvement
• Auction purchases (including no-valuation facilities on eligible cases)
• Development finance for investors with a track record
• Development exit and cashflow bridges

How to Apply with BiG Property Finance

BiG accepts enquiries directly via phone, email or online form. For development finance, the team focuses on projects within approximately 150 miles of their Birmingham office to allow for ongoing monitoring. Brokers and direct borrowers are both welcome, and the team aims to give a clear indication of appetite quickly so neither party wastes time on an unsuitable case.