Mezzanine finance for Chesham developers
Second-charge development funding to 90 to 95 percent of cost, priced against Chesham's own evidence: 256 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.
The Chesham 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 Chesham deal starts with the local evidence. Over the last 12 months the town recorded 256 sales at a median of £452,250, up 2.8 percent year on year.
What Chesham stock actually sells for
| Property type | Median sold price, 12m |
|---|---|
| Detached | £850,000 |
| Semi-detached | £505,000 |
| Terraced | £415,000 |
| Flats | £243,000 |
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 £27.5m.
Schemes moving through planning now
| Proposal | Units | Status |
|---|---|---|
| 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 Chesham 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 Chesham 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 Chesham
- 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.
Mezzanine in Chesham, answered
Do you fund developments in Chesham?
Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Chesham 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 Chesham market look like right now?
Over the last 12 months Chesham recorded 256 sales at a median of £452,250, up 2.8 percent year on year. The live planning pipeline holds 72 units with an estimated GDV of £27.4m. The figures on this page refresh as the underlying Land Registry and planning data updates.
How quickly can a Chesham 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.
More Buckinghamshire markets
Beaconsfield
72 pipeline units, £53.7m est. GDV
View Beaconsfield → BuckinghamshireAmersham
72 pipeline units, £41.7m est. GDV
View Amersham → BuckinghamshireMarlow
72 pipeline units, £37.3m est. GDV
View Marlow → BuckinghamshirePrinces Risborough
72 pipeline units, £29.0m est. GDV
View Princes Risborough → BuckinghamshireHigh Wycombe
72 pipeline units, £25.2m est. GDV
View High Wycombe →Building in Chesham?
Share the scheme and get a term sheet in 48 hours, underwritten with the same Chesham evidence on this page.