10 to 15%
Indicative target return, a year
For investors
Earn secured returns from UK property lending
Deploy capital into vetted UK development schemes. Every loan is secured by a second charge over real property, independently valued, and underwritten by a team with direct development experience. Indicative target returns of 10 to 15 percent a year.
6 to 36
Month loan terms
2nd charge
Security position
£50k+
Minimum participation
The proposition
Specific loans, not a pooled fund
Max Mezz connects private capital with UK property development lending. We are not a fund and we do not pool your money: each loan is a specific scheme you can see, with its own valuation, cost plan and exit. You choose the loans that fit your appetite.
Asset-backed security
Every loan is secured by a second charge over a real, tangible property asset with an independent RICS valuation.
Indicative targets of 10 to 15% a year
Risk-adjusted returns meaningfully above deposit rates and most fixed-income alternatives, reflecting the second-charge position.
Short duration
Terms of 6 to 36 months mean capital is not locked away for years. Deploy, earn, redeploy.
Professional underwriting
Rigorous due diligence on every scheme: independent valuations, verified track records, stress-tested appraisals.
Built by developers
Our team has developed property, not just financed it. We know what good looks like on site as well as on paper.
Transparent reporting
Regular updates on loan performance, construction progress and scheme milestones for every loan you hold.
How it works
Four steps from interest to income
Register your interest
Tell us your investment appetite: minimum ticket, target return and preferred term length.
Review opportunities
We present vetted schemes with full due diligence packs: independent valuations, cost plans and developer track records.
Deploy capital
Choose the loans that fit your criteria. Your capital is secured by a second charge against the development.
Earn your return
Receive the agreed return at exit, typically when the developer sells or refinances the completed scheme.
Understand the risks before the returns
Mezzanine lending pays more than senior secured lending because it carries more risk. We would rather you understood that clearly on day one:
- Mezzanine sits behind the senior lender in the repayment waterfall. In a default the senior facility is repaid first, so your capital carries more risk than senior secured lending, which is why the target return is higher.
- Property values and sales rates move. An independent valuation is an opinion at a date, not a guarantee of the exit.
- Returns are indicative targets, not promises, and past performance is not a reliable indicator of future results.
- Diversification across several loans is prudent. Concentrating in one scheme concentrates its risks.
Important
Capital at risk. Mezzanine lending carries a higher risk profile than senior secured lending, and returns are indicative targets rather than promises. These pages are intended for high net worth and sophisticated investors who understand those risks. Max Mezz does not provide investment advice; if you are unsure whether this lending is suitable for you, take independent financial advice.
FAQ
Investor questions, answered
Is my money pooled with other investors?
No. Each participation is allocated to a specific loan on a specific scheme, with its own security, valuation and exit. You always know exactly what your capital is secured against.
What protects my capital?
A second legal charge over the development, an independent RICS valuation, an intercreditor agreement governing your position relative to the senior lender, personal guarantees from the developer in most cases, and professional monitoring of the build.
When am I paid?
Most loans roll interest up and pay principal plus return at exit, when the developer sells or refinances. Some structures pay quarterly. The term sheet for each loan states which applies.
What happens if a scheme goes wrong?
The intercreditor agreement sets out enforcement rights and waterfalls agreed before completion. Recovery comes from the security: the property itself, then any guarantees. The senior lender is repaid first; that subordination is the risk you are paid for.
Who can invest?
These opportunities are intended for high net worth and sophisticated investors as defined by the FCA's financial promotion rules. We will ask you to self-certify before we share deal materials.
Tell us your criteria
Ticket size, target return, preferred term. We will show you opportunities that fit, with the full due diligence pack for each.