Greater Manchester · North West England

Mezzanine finance for Rochdale developers

Second-charge development funding to 90 to 95 percent of cost, priced against Rochdale's own evidence: 2,166 recorded sales in the last 12 months. We lend from our own book and arrange whole of market where that serves you better.

All of Greater Manchester
£190k
Median sold price, 12m
2,166
Sales recorded, 12m
-2.6%
Price change, year on year
+75.3%
New build premium

The Rochdale 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 Rochdale deal starts with the local evidence. Over the last 12 months the town recorded 2,166 sales at a median of £190,000, down 2.6 percent year on year. New build stock commands a premium of about 75.3 percent over existing homes on 7 new build completions, which matters directly to how we read a developer's sales assumptions.

What Rochdale stock actually sells for

Property typeMedian sold price, 12m
Detached£340,000
Semi-detached£225,000
Terraced£155,000
Flats£116,000

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

Gap funding for Rochdale 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 Rochdale scheme with the leverage calculator, or see the wider county picture on our Greater Manchester page and the national view in the UK development pipeline tracker.

Indicative terms in Rochdale

  • 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 Rochdale, answered

Do you fund developments in Rochdale?

Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Rochdale and across Greater Manchester, 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 Rochdale market look like right now?

Over the last 12 months Rochdale recorded 2,166 sales at a median of £190,000, down 2.6 percent year on year. The figures on this page refresh as the underlying Land Registry and planning data updates.

Does new build stock sell at a premium in Rochdale?

On the last 12 months of Land Registry data, the 7 new build sales in Rochdale priced about 75.3 percent above comparable existing stock. That premium is one of the first numbers we check when we underwrite a Rochdale appraisal.

How quickly can a Rochdale 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 Rochdale?

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