Specialist mezzanine finance for Bedfordshire's developers

Development gap funding across the county of Bedfordshire

Across the 7 Bedfordshire towns we monitor, 976 residential units are moving through live planning applications, an estimated £250m of gross development value, with 84 percent of decided relevant applications approved over the last 12 months. Flitwick recorded 3,532 sales in the last 12 months, while Biggleswade carries the county's strongest pricing at a median of £355,000.

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 Bedfordshire deal. The same numbers are published openly in our UK development pipeline tracker.

Luton is the largest town, with Bedford, Dunstable and Leighton Buzzard the other principal settlements. The River Great Ouse flows through the north of the county.

The product itself works the same in Bedfordshire 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.

Bedfordshire's development pipeline, measured

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

Where we lend in Bedfordshire, England

Bedford

498 units sit in Bedford's live planning applications, an estimated £167m of GDV. The median sold price over the last 12 months is £335,000 (down 1.5% year on year), across 1,806 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Luton

478 units sit in Luton's live planning applications, an estimated £83.7m of GDV. The median sold price over the last 12 months is £300,000 (flat 0% year on year), across 1,707 recorded sales. Schemes here are underwritten against that evidence, not against optimism.