Buckinghamshire · South East England

Mezzanine finance for Buckingham developers

Second-charge development funding to 90 to 95 percent of cost, priced against Buckingham's own evidence: 401 recorded sales in the last 12 months and 72 units in live planning applications. We lend from our own book and arrange whole of market where that serves you better.

All of Buckinghamshire
£375k
Median sold price, 12m
401
Sales recorded, 12m
72
Units in live applications
£21.6m
Estimated pipeline GDV

The Buckingham market, in numbers we underwrite from

A mezzanine loan is a view on whether a scheme will sell at the price its appraisal claims, so every Buckingham deal starts with the local evidence. Over the last 12 months the town recorded 401 sales at a median of £375,000, down 5.1 percent year on year. New build stock commands pricing level with existing homes on 12 new build completions, which matters directly to how we read a developer's sales assumptions.

What Buckingham stock actually sells for

Property typeMedian sold price, 12m
Detached£520,000
Semi-detached£352,000
Terraced£292,500
Flats£180,000

HM Land Registry price paid data, trailing 12 months, refreshed 5 July 2026.

Live planning activity at Buckinghamshire Council

Over the last 3 months our monitors logged 6 relevant applications, 0 approved and 6 awaiting decision. Together the live residential applications propose 72 units with an estimated end value of £21.6m.

Schemes moving through planning now

ProposalUnitsStatus
Prior Notification under Class MA of Part 3, Schedule 2 of the Town and Country Planning (General Permitted Development) (England) Order 2015 - Change of use of ground and first floor from commercial, business and servic… 30 Decided
Outline planning application for the erection of up to 24 dwellings, public open space, landscaping and together with associated access and infrastructure (matter to be considered at this stage: access) 24 Registered
Residential development comprising of 8 dwellings with vehicular access points from Vicarage Lane and Addison Road, together with garages, vehicle parking and cycle storage and other associated works and operations inclu… 8 Registered
Application for permission in principle for the erection of a minimum of five and a maximum of seven dwellings 7 Decided

Sourced from Buckinghamshire Council public register. If one of these is your scheme, we already know the context.

Gap funding for Buckingham schemes

The structure is the same one we write everywhere: 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 around 35 percent of cost to 5 or 10. Terms run 6 to 36 months, pricing is indicatively from 12 percent a year, and a complete enquiry gets a term sheet inside 48 hours. Model a Buckingham scheme with the leverage calculator, or see the wider county picture on our Buckinghamshire page and the national view in the UK development pipeline tracker.

Indicative terms in Buckingham

  • Loan size£250k to £5m
  • Combined leverageUp to 90 to 95% LTC
  • Term6 to 36 months
  • PricingFrom 12% a year
  • SecuritySecond charge plus PGs
  • DecisionTerm sheet in 48 hours

Indicative only; every loan is priced case by case.

FAQ

Mezzanine in Buckingham, answered

Do you fund developments in Buckingham?

Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Buckingham and across Buckinghamshire, typically taking combined leverage to 85 to 95 percent of cost alongside a senior facility. Where a case suits another funder better, we arrange it whole of market.

What does the Buckingham market look like right now?

Over the last 12 months Buckingham recorded 401 sales at a median of £375,000, down 5.1 percent year on year. The live planning pipeline holds 72 units with an estimated GDV of £21.6m. The figures on this page refresh as the underlying Land Registry and planning data updates.

Does new build stock sell at a premium in Buckingham?

On the last 12 months of Land Registry data, the 12 new build sales in Buckingham priced level with comparable existing stock. That premium is one of the first numbers we check when we underwrite a Buckingham appraisal.

How quickly can a Buckingham scheme get terms?

A complete enquiry gets a considered credit view and term sheet inside 48 hours, and typical enquiry to drawdown is 4 to 6 weeks, run in parallel with your senior lender.

Building in Buckingham?

Share the scheme and get a term sheet in 48 hours, underwritten with the same Buckingham evidence on this page.