Specialist mezzanine finance for Cheshire's developers

Development gap funding across the county of Cheshire

Across the 8 Cheshire towns we monitor, 1,074 residential units are moving through live planning applications, an estimated £253m of gross development value, with 99 percent of decided relevant applications approved over the last 12 months. Warrington recorded 2,376 sales in the last 12 months, while Wilmslow carries the county's strongest pricing at a median of £410,000.

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

Warrington is the largest town, with Chester the historic county city and Crewe, Macclesfield, Runcorn and Widnes major settlements. The landscape is dominated by the flat, fertile Cheshire Plain, with the River Mersey in the north and the River Dee on the Welsh border.

The product itself works the same in Cheshire 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.

Cheshire'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 Cheshire, England

Chester

358 units sit in Chester's live planning applications, an estimated £95.8m of GDV. The median sold price over the last 12 months is £280,000 (up 2.2% year on year), across 1,486 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Northwich

358 units sit in Northwich's live planning applications, an estimated £89.6m of GDV. The median sold price over the last 12 months is £265,000 (up 1.9% year on year), across 1,015 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Ellesmere Port

358 units sit in Ellesmere Port's live planning applications, an estimated £68.0m of GDV. The median sold price over the last 12 months is £200,000 (up 1% year on year), across 659 recorded sales. Schemes here are underwritten against that evidence, not against optimism.