Mezzanine finance for Lydney developers
Second-charge development funding to 90 to 95 percent of cost, priced against Lydney's own evidence: 876 recorded sales in the last 12 months and 62 units in live planning applications. We lend from our own book and arrange whole of market where that serves you better.
The Lydney 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 Lydney deal starts with the local evidence. Over the last 12 months the town recorded 876 sales at a median of £280,000, up 3.7 percent year on year. New build stock commands a premium of about 2.7 percent over existing homes on 6 new build completions, which matters directly to how we read a developer's sales assumptions.
What Lydney stock actually sells for
| Property type | Median sold price, 12m |
|---|---|
| Detached | £385,000 |
| Semi-detached | £245,000 |
| Terraced | £205,000 |
| Flats | £120,000 |
HM Land Registry price paid data, trailing 12 months, refreshed 5 July 2026.
Live planning activity at Forest of Dean District Council
Over the last 3 months our monitors logged 87 relevant applications, 0 approved and 87 awaiting decision. Together the live residential applications propose 147 units with an estimated end value of £41.4m.
Schemes moving through planning now
| Proposal | Units | Status |
|---|---|---|
| Residential development of 88 no. dwellings (Class C3); vehicular and pedestrian access; open space, landscaping, drainage attenuation and other associated works | 88 | |
| Application for the approval of reserved matters (Landscaping, Scale, and Appearance) and details required by Conditions 11 (surface and foul water drainage), 19 (Arboricultural Method Statement), and 20 (effects to brid… | 50 | |
| Permission in principle for erection of three residential dwellings in former car park | 3 | |
| Change of use of an existing nursing home for the elderly to a residential care home for children. | 1 |
Sourced from Forest of Dean District Council public register. If one of these is your scheme, we already know the context.
Gap funding for Lydney 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 Lydney scheme with the leverage calculator, or see the wider county picture on our Gloucestershire page and the national view in the UK development pipeline tracker.
Indicative terms in Lydney
- 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 Lydney, answered
Do you fund developments in Lydney?
Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Lydney and across Gloucestershire, 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 Lydney market look like right now?
Over the last 12 months Lydney recorded 876 sales at a median of £280,000, up 3.7 percent year on year. The live planning pipeline holds 62 units with an estimated GDV of £17.6m. The figures on this page refresh as the underlying Land Registry and planning data updates.
Does new build stock sell at a premium in Lydney?
On the last 12 months of Land Registry data, the 6 new build sales in Lydney priced about 2.7 percent above comparable existing stock. That premium is one of the first numbers we check when we underwrite a Lydney appraisal.
How quickly can a Lydney 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.
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Share the scheme and get a term sheet in 48 hours, underwritten with the same Lydney evidence on this page.