Commercial Mortgages Moseley
Moseley (B13) carries one of Birmingham's strongest independent F&B and creative semi-commercial parades, Alcester Road and St Mary's Row anchor the village centre, the Moseley Village conservation area covers most of the historic core, Cannon Hill Park sits on the western edge. We arrange semi-commercial mortgages on shop-over-flat, F&B owner-occupier on Alcester Road and refurb-to-term on Class E conversions.
6 active commercial property listings currently tracked in Moseley.
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The Moseley commercial property market
Moseley sits two miles south of Birmingham City Centre, the village centre anchored on Alcester Road and St Mary's Row. Independent F&B is the deepest single sub-sector, with Moseley Farmers Market driving footfall and operators routinely buying the freehold of the unit they have been trading out of. Shop-over-flat semi-commercial is the dominant residential underwriting archetype, with the conservation-area constraint limiting new HMO conversion but leaving standard semi-commercial availability unaffected.
Class E ground-floor conversion is one of the highest-volume change-of-use routes in B13 right now, retail to F&B, F&B to mixed-use with flats above on the historic parade. Refurb-to-term bridges via LendInvest, Shawbrook and Together fund the conversion, then refinance onto semi-commercial term at 70 to 75% LTV against stabilised income.
HM Land Registry residential transactions across B13 confirm a strong urban-village catchment with median values supporting the AST rental stack on shop-over-flat stock. Used as a market-temperature signal they confirm Moseley continues to absorb supply at strong yields, which underwrites the upstairs flat income on semi-commercial parade stock. Stamp duty applies at the commercial rates on every freehold commercial purchase.
Recent commercial planning activity in Moseley (B13)
The Moseley Village conservation area Alcester Road file (Ref 2026/01108/PA) is the most relevant current B13 file, change of use of two ground-floor retail units to mixed Class E F&B use with three flats above, retaining historic frontage. That is the canonical Moseley semi-commercial refurb-to-term archetype, owner-occupier F&B on the ground floor with three AST flats above. Listed-building consent and conservation-area constraints apply on the historic core. Stamp duty applies at the commercial rates on each acquisition; refinancing is unaffected.
Active commercial property types in Moseley
Alcester Road shop-over-flat
Classic B13 semi-commercial archetype.
£250K-£700K facility
St Mary's Row F&B owner-occupier
Operator buying the freehold of their restaurant or cafe.
£300K-£900K
Class E conversion
Retail-to-F&B or F&B-to-mixed-use change of use.
£300K-£1M
Independent retail
Independent retailers buying their unit on the village parades.
£200K-£600K
Moseley Village mixed-use blocks
Ground-floor Class E with flats above.
£400K-£1.2M
Cannon Hill-edge professional services
Small clinic and consultancy owner-occupier.
£300K-£900K
Commercial mortgage products active in Moseley
Semi-commercial via semi-commercial mortgage. F&B owner-occupier via trading-business mortgage on EBITDA. Class E conversion via bridge-to-let then term-out to semi-commercial. Refinancing maturing facilities is the largest single 2026 use case.
Owner-occupier
Businesses buying their trading premises, EBITDA cover at 1.3-1.5x, LTV to 75% on bricks.
Commercial investment
Let assets, ICR at 140-160% stressed, LTV typically 65-75%.
Semi-commercial
Shop+flat archetypes, blended ICR ~145%, LTVs to 75% via specialists.
Bridge-to-let
Vacant or value-add acquisitions with refurb / re-let exit onto term mortgage.
Refinancing
Maturing facilities, equity release on stabilised commercial assets, rate-driven switches.
Lender appetite for Moseley semi-commercial and F&B
Semi-commercial strong via InterBay Commercial, Together, Hampshire Trust Bank and Aldermore at 75% LTV. F&B trading-business via Cynergy Bank, Allica and Shawbrook. Class E conversion refurb-to-term via LendInvest, Shawbrook and Together. Conservation-area stock attracts heritage-comfortable underwriting from Cambridge & Counties and InterBay Commercial. Commercial mortgages are unregulated lending and fall outside the FCA's regulated mortgage perimeter, we do not hold FCA authorisation because the products we arrange are unregulated.
Property types we finance in Moseley
Asset classes most active in Moseley, each linked to the dedicated finance structure, lender appetite and typical terms for that property type.
Moseley sold-price data
Live HM Land Registry transaction data for the Moseley local authority area. Use this as market evidence when appraising your scheme or testing GDV assumptions.
Median price
£220K
-0.8% YoY
Transactions (12m)
6,122
Completed sales
New-build share
1.7%
107 new-build sales
New-build premium
+25.0%
vs existing stock
Median price by property type
Detached
£360K
Semi-detached
£250K
Terraced
£210K
Flat / Apartment
£140K
Recent transactions
| Date | Postcode | Address | Type | Price |
|---|---|---|---|---|
| 26 Feb 2026 | B30 2JA | 32, SHIRLEY ROAD | Terraced | £231K |
| 25 Feb 2026 | B31 1LL | 105, NIGEL AVENUE | Semi-detached | £85K |
| 25 Feb 2026 | B14 4TU | 42, ASHDALE DRIVE | Semi-detached | £275K |
| 25 Feb 2026 | B13 0SJ | 51, BAGNELL ROAD | Semi-detached | £484K |
| 24 Feb 2026 | B26 3XF | 119, MAPLEDENE ROAD | Flat / Apartment | £69K |
| 24 Feb 2026 | B16 0SX | 114, STANMORE ROAD | Semi-detached | £460K |
| 23 Feb 2026 | B38 8LN | 679, REDDITCH ROAD | Semi-detached | £234K |
| 20 Feb 2026 | B17 9SS | FLAT 5, 51, WENTWORTH ROAD | Flat / Apartment | £174K |
Source: HM Land Registry Price Paid Data, Birmingham LPA. Updated 27 Apr 2026.
Moseley commercial mortgage FAQs
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